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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.
【概念】
继4月降准，5月调整利率下限20个基点后，本周央行再送大礼包。
今天我们来学习和这一则经济新闻相关的词汇和语句。
提示：
1：LPR到底是什么？
2：每个月可省多少房贷？
3：LPR降了有何影响？
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课程内容
我们看看能学到什么
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：
1.中国央行：The People’s Bank of China
2.贷款基础利率：LPR=loan prime rate，the benchmark rate
3.保持不变：keep sth unchanged
4.下调至：cut sth to ...
句子表达：
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%.
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：shore up=support China’s economy
2.一系列举措：a series of measures
3.计划：initiatives = plans
4.廉价资金：cheap cash
5.贷款项目：loan programs
6.潜在购房者：would-be homeowners
句子表达：
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.
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：aimed squarely at
2.房地产市场：the housing market / the property sector
3.忧郁、消沉（指经济低迷）：in the doldrums
4.房屋销售下滑：home sales slump
5.开发商：developers
6.债台高筑：buckle under heavy debts （buckle 表示to become crushed 压垮）
7.降低住房贷款利率下限：lower the floor for rates on home loans
8.首次购房者：first-time buyers
句子表达：
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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课程笔记
口语转化表达
【同义转述】
学习完句子后，我们用简单词汇和句型来做同义转述。
The central bank of China cuts its benchmark rate for loans for five years to 4.45%, which seems to support the housing market, especially for those first-time buyers. The rate also includes cheap cash for banks and loan programs for businesses.
【学以致用】
学会这些词汇和句型后，我们用来讲讲“购房”的话题。
It's good news that the central bank of China has taken some measures to support China's economy, the property sector in particular, like cutting the benchmark rate for loans for five years to 4.45%. If you are a would-be homeowner, the rate cut means the lowest possible rate banks can offer to homebuyers.
好消息，中国央行已经采取了一些措施来支持中国经济，特别是房地产行业，比如将五年期贷款基准利率降至4.45%。如果你想买房，利率下调意味着银行可以提供给购房者的最低利率。
支持：It's wise to buy a house because the lower rate will be applied to new mortgages. 买房子是明智的，因为新的按揭将适用较低的利率。
反对：It's unreasonable to buy a house because I'm between jobs. 因为我没工作就买房子是不合理的。
中立：Well, it's not a right time for me. I have to wait. 现在对我来说不是时候.我得等等。
“每天练习一点点，坚持带来大改变”，欢迎收听今天的节目，我们下期节目再见。（所有配图均来源于网络，如有侵权，联系删除）
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