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 prices increase by 10%, then even though Xiao Ming has taken 1,100 yuan, his purchasing power has not increased as a result. He can only buy something for 1,100 yuan now that he can only buy something that he spent 1,000 when he saved the money, and the actual 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 price rose by 10%, then although Xiaoming took 1100 yuan, but his purchasing power has not increased, he now buys a 1100 yuan thing can only buy when he saves money to spend 1000 things, 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 price rises by 10%, although Xiao Ming took 1100 yuan, his purchasing power does not increase. Now he can only buy a 1100 yuan thing that he spent 1000 yuan on saving, and the real interest rate is 0.<br>