降低央行基准利率的意义

中文段落：

降低央行基准利率是中央银行常用的一种货币政策工具，用以刺激经济增长、提振市场信心。基准利率是金融市场的核心利率，其他利率如贷款利率、存款利率等都以它为基准进行浮动。当央行降低基准利率时，商业银行的借贷成本随之降低，进而带动整体市场的融资成本下降，刺激企业增加投资、扩大生产规模，同时也鼓励消费者增加消费，从而推动经济增长。此外，降低基准利率还有助于稳定市场预期，提振市场信心。在经济下行压力下，降低基准利率可以向市场传递出政府稳定经济、促进增长的决心，有助于稳定市场情绪，避免恐慌性抛售和过度悲观预期。

英文段落：

Lowering the central bank's benchmark interest rate is a common monetary policy tool used by central banks to stimulate economic growth and boost market confidence. The benchmark interest rate is the core interest rate in the financial market, and other interest rates such as loan interest rates and deposit interest rates float based on it. When the central bank lowers the benchmark interest rate, the borrowing costs of commercial banks decrease accordingly, which in turn drives down the overall market financing costs, stimulating enterprises to increase investment and expand production scale, and also encouraging consumers to increase consumption, thereby promoting economic growth. In addition, lowering the benchmark interest rate also helps to stabilize market expectations and boost market confidence. Under downward pressure on the economy, lowering the benchmark interest rate can send a signal to the market of the government's determination to stabilize the economy and promote growth, which helps to stabilize market sentiment and avoid panic selling and overly pessimistic expectations.

中文段落：

然而，降低央行基准利率也可能带来一些副作用。一方面，过低的利率可能导致资金过度流入房地产市场、股市等高风险领域，加剧资产泡沫，增加金融风险。另一方面，如果降息过度，可能导致通货膨胀压力上升，对消费者购买力产生负面影响。因此，央行在决策时需要权衡各种因素，确保降息政策的合理性和有效性。

英文段落：

However, lowering the central bank's benchmark interest rate may also bring some side effects. On the one hand, excessively low interest rates may lead to excessive capital inflow into high-risk areas such as the real estate market and stock market, exacerbating asset bubbles and increasing financial risks. On the other hand, excessive interest rate cuts may lead to rising inflationary pressure, which has a negative impact on consumers' purchasing power. Therefore, when making decisions, central banks need to weigh various factors to ensure the rationality and effectiveness of the interest rate cut policy.