2. 职称英语
  3. 你将听到一段关于负利率的讲话 [originaltext] 放眼全世界，已经有越来越多的国家进入了负利率的队伍，世界经济也迈入了负利率时代。今年8月，丹麦

你将听到一段关于负利率的讲话 [originaltext] 放眼全世界，已经有越来越多的国家进入了负利率的队伍，世界经济也迈入了负利率时代。今年8月，丹麦

游客2023-12-29  95
问题 你将听到一段关于负利率的讲话
放眼全世界，已经有越来越多的国家进入了负利率的队伍，世界经济也迈入了负利率时代。今年8月，丹麦第三大银行开始为贷款人提供年利率为-0．5％的购房贷款。这是全球首个负利率房贷业务。这意味着银行借钱给贷款人使用，贷款人还的钱比借的钱还少。不仅丹麦，欧元区、瑞士、瑞典和日本等央行都先后实施了负利率政策。负利率会给社会带来什么样的影响呢?
    首先，肯定是购买力下降。负利率就意味着高通货膨胀率，对于我们每个人来说，最直接的影响，就是物价上涨。物价不断上涨，就会导致我们的日常开支增加，需要花比以前更多的钱，才能买到和以前同样的商品。
    其次，就是存款缩水。负利率带给我们最直接的影响，就是放在银行里的钱不仅得不到利息，存款人还需要给银行交钱。如果我们把负利率看作一种财富再分配的_丁具，那么，从某种意义上说，负利率会进一步减少弱势群体的财富。
    最后，负利率可能会形成投资泡沫。既然钱放在银行会“蒸发”，那么大家必然会努力寻求更多的投资渠道，避免存款贬值。大量的热钱流入投资领域，比如股市、楼市，肯定会推高资产的价格。
选项
答案 More and more countries in the world have joined the negative interest rate club and the world economy has entered this specific stage. In August this year, Denmark’s third largest bank has launched the world’s first negative interest rate mortgage — handing out loans to homeowners where the charge is minus 0.5% a year. Negative interest rates effectively mean that a bank pays a borrower to take money off their hands, so they pay back less than they have been loaned. Not only Denmark, but also the central banks of the euro zone, Switzerland, Sweden and Japan have successively implemented negative interest rate policies.
What kind of impact will negative interest rates bring to society?
First of all, people’s purchasing power will decline. Negative interest rates will cause high inflation rate, which will further increase commodity prices. Rising prices will lead to an increase in our daily expenses. So, we need to spend more money than before to buy the same goods.
Secondly, our savings in the bank will shrink.
Savers will see nothing paid in interest on their deposits, and may also suffer as they go negative. Negative interest rates, as a tool for wealth redistribution, may further reduce the wealth of the poor.
Finally, maybe there will be investment bubbles. Since people’s savings in the bank will "evaporate" under the negative interest rate deal, they will definitely try their best to find more investment channels to prevent depreciation. A large amount of hot money will flow into investment, such as the stock market and the real estate market, which will definitely push up the prices of assets.
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