The real interest rate is your rate

实际利率是您考虑到时间因素后的价值回报率。它是指投资者获得利息收益的实际利率。这是消除通货膨胀率的影响。例如，小明将1000元存入银行，银行的名义利率为10％。然后，他一年可以从银行提取1100元。如果今年的通货膨胀率是10％，虽然小明拿了1100元，但他的购买力并没有增加。他现在花的1100元钱只够买他花1000元的储蓄钱，实际利率为0。

实际利率是按价值计算的回报率，并考虑到时间因素。它是指投资者获得利息回报的实际利率。这是为了消除通货膨胀率的影响。例如，小明将1000元存入银行，银行名义利率为10%。这样他一年就可以从银行取出1100元了。如果今年的通货膨胀率为10%，虽然小明拿了1100元，但他的购买力并没有增加。他现在花1100元买的只够买他花1000元存钱的东西，实际利率是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>