实际利率是从价值上看你的回报率，考虑了时间的因素，指投资者得到利息回报

The actual interest rate is your rate of return from the value point of view, taking into account the factor of time, it refers to the real interest rate at which investors receive interest returns, which removes the effect of inflation. For example, if Xiao Ming deposits 1,000 yuan in a bank, the bank’s nominal interest rate is 10%. Then he can withdraw 1,100 yuan from the bank in a year. If the inflation rate this year is 10%, then although Xiao Ming has taken 1,100 yuan, his purchasing power has not increased as a result. What he now spends 1,100 to buy is only enough to buy things that he spent 1,000 yuan when he saved money. The effective interest rate is 0.

Real interest rates look at your rate of return in terms of value, taking into account the time factor, which means that the real interest rate at which an investor receives an interest return is to remove the effect of the inflation rate. For example, Xiaoming deposits 1000 yuan into a bank with a nominal interest rate of 10%. Then a year later he could withdraw 1,100 yuan from the bank. If the inflation rate for the year is 10%, then although Xiaoming took 1100 yuan, but his purchasing power has not increased, he now spends 1100 to buy only enough to buy his savings when he spent 1000 yuan, the real interest rate is 0.

The real interest rate is your rate of return in terms of value, taking into account the factor of time. It refers to the real interest rate at which the investor gets the interest return. It is to remove the influence of inflation rate. For example, Xiao Ming deposits 1000 yuan into a bank, and the nominal interest rate of the bank is 10%. Then he can withdraw 1100 yuan from the bank in a year. If the inflation rate is 10% in this year, although Xiao Ming took 1100 yuan, his purchasing power has not increased. What he spends 1100 yuan on now is only enough to buy what he spent 1000 yuan on saving, and the real interest rate is 0.<br>