-课程导读

今天在“财经”栏目中，我们来聊聊“央行降息”，Let's talk about “ The benchmark rate for loans cut” in today’s program.

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-课程内容

【句子积累】

一.中国央行将一年期贷款市场报价利率（LPR）维持在3.70%不变，将五年期贷款市场报价利率（LPR）从4.60%下调至4.45%。

词汇积累：（可在评论区回答、自测，答案见微信公众号：可可英语口语）

1.中国央行：

2.贷款基础利率：

3.保持不变：

4.下调至：

The People’s Bank of China said it would keep the benchmark rate for one-year loans unchanged at 3.7% and cut its benchmark rate for loans of five years or more to 4.45% from 4.6%

二.上周五的降息延续了央行提振中国经济的一系列举措，包括为银行提供廉价资金、为部分企业提供贷款以及为潜在购房者提供帮助等。

词汇积累：

1.提振中国经济：

2.一系列举措：

3.计划：

4.廉价资金：

5.贷款项目：

6.潜在购房者：

Last Friday’s cut extends a series of central-bank measures to shore up China’s economy, with initiatives including cheap cash for banks, loan programs for some businesses and help for would-be homeowners.

三.经济学家表示，下调五年期利率似乎是直接针对房地产市场。由于房屋销售下滑，开发商债台高筑，房地产市场几个月来一直低迷。该利率被用来为大多数抵押贷款定价，此次下调是在央行决定降低面向首次购房者的住房贷款利率下限之后。

词汇积累：

1.直接针对：

2.房地产市场：

3.忧郁、消沉（指经济低迷）：

4.房屋销售下滑：

5.开发商：

6.债台高筑

7.降低住房贷款利率下限：

8.首次购房者：

Economists said the cut to the five-year rate appeared aimed squarely at the housing market, which has been in the doldrums for months as home sales slumped and developers buckled under heavy debts. The rate is used to price most mortgages, and the cut follows a decision by the central bank to lower the floor for rates on home loans to first-time buyers.

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