名义利率是人们在考虑利率时通常会想到的,因为名义利率只是说明一个人的存款将在银行赚取的货币回报。例如,如果名义利率为每年6%,那么个人的银行账户明年将比今年增加6%的资金(当然假设个人没有提取任何资金)。另一方面,实际利率考虑了购买力。例如,如果实际利率为每年5%,那么银行的资金明年可以比今天提取和支出的资金多5%。名义利率和实际利率之间的联系可能不足为奇,因为通货膨胀会改变一定数量的货币可以购买的东西的数量。具体而言,实际利率等于名义利率减去通货膨胀率:换句话说;名义利率等于实际利率加上通货膨胀率。这种关系通常被称为Fisher方程。

加拿大麦克马斯特大学Assignment代写:Fisher方程

The nominal interest rate is usually thought of when people consider interest rates, because the nominal interest rate is just a monetary return that a person’s deposit will earn at the bank. For example, if the nominal interest rate is 6% per year, then the individual’s bank account will increase by 6% next year compared to this year (assuming of course that the individual has not withdrawn any funds). On the other hand, the actual interest rate takes into account purchasing power. For example, if the real interest rate is 5% per year, then the bank’s funds can be 5% more than the funds that are drawn and spent today. The link between nominal and real interest rates may not be surprising, as inflation can change the amount of things a certain amount of money can buy. Specifically, the real interest rate is equal to the nominal interest rate minus the inflation rate: in other words; the nominal interest rate is equal to the actual interest rate plus the inflation rate. This relationship is often referred to as the Fisher equation.

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