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利率 — pronunciations, definitions, and tags
HanziPinyinEnglishTags
利率lìlǜinterest ratesHSK 7, unknown, 18 strokes, rank #20049, Very Hard, formal, technical, finance, economics
lìlǜ(li4lu:4)li lu: T4
  1. 1interest rates
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March 24, 2026

利率lìlǜ(li4lu:4)

利率 (lìlǜ) refers to the percentage at which interest is charged or paid on a loan or deposit. It is commonly used in financial contexts, particularly in banking and investment discussions, to denote the cost of borrowing money or the return on savings.

Strokes18Frequency#20049DifficultyVery Hard
Cultural note

In Chinese culture, understanding 利率 is vital for personal finance management, especially as more individuals engage in investments and savings. The concept is often discussed in relation to property purchases and loans.

Memory tip

Think of 利 (lì) as 'benefit' or 'profit,' and rate (率, lǜ) sounds like 'loot.' Imagine a treasure chest filling up with gold coins, representing the interest you earn or pay. The more you earn, the more loot you get!

Meanings of 利率

lìlǜ(li4lu:4)
1interest rates
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About 利率

利率Simplified
18Strokes
—Radical
名词míngcínoun (n.)Part of Speech
#—Frequency Rank
HSK 3.0L7AdvancedCEFRC2

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AI study notes for 利率

Quick Contrast

利息 (lìxī) refers to the actual interest amount paid or received, while 利率 (lìlǜ) specifies the rate or percentage of that interest.

Usage Notes

A common mistake is confusing 利率 with 费用 (fèiyòng), which means 'cost.' Remember that 利率 specifically refers to interest rates. This term is typically used in formal financial discussions, so it's best to use it in that context.

HSK Study Tips

While 利率 is not an HSK vocabulary word, it connects to HSK Level 3 terms related to finance and economics, such as 银行 (yínháng, 'bank') and 借款 (jièkuǎn, 'loan'). Students should focus on understanding how interest rates influence economic decisions.

Common Mistakes

Learners often confuse 利率 with 利息 (lìxī), which means 'interest' in a more general sense. For example, saying '我在银行的利息很高' (Wǒ zài yínháng de lìxī hěn gāo) is incorrect when referring to the rate; it should be 利率 instead.

AI-enhanced 2026-03-24

Pronunciation of 利率

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Component characters

利lìsharp
HSK 67 strokes刂
View full entry
率lǜrate
HSK 611 strokes玄
View full entry

How to say interest rates in Chinese

“interest rates” in Chinese is利率lìlǜ

利率 (lìlǜ) refers to the percentage at which interest is charged or paid on a loan or deposit. It is commonly used in financial contexts, particularly in banking and investment discussions, to denote the cost of borrowing money or the return on savings.

When to use 利率

A common mistake is confusing 利率 with 费用 (fèiyòng), which means 'cost.' Remember that 利率 specifically refers to interest rates. This term is typically used in formal financial discussions, so it's best to use it in that context.

利率 or something close to it

利息 (lìxī) refers to the actual interest amount paid or received, while 利率 (lìlǜ) specifies the rate or percentage of that interest.

What learners get wrong

Learners often confuse 利率 with 利息 (lìxī), which means 'interest' in a more general sense. For example, saying '我在银行的利息很高' (Wǒ zài yínháng de lìxī hěn gāo) is incorrect when referring to the rate; it should be 利率 instead.

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利
率

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Cultural Notes for 利率

🌏Cross-cultural Insight

Unlike in many Western countries where interest rates are commonly discussed in everyday contexts, in China, discussions around 利率 often occur within more formal financial contexts.

Frequently asked questions about 利率

利率 can be influenced by various factors including inflation, central bank policies, and economic conditions. For instance, if the economy is growing, central banks may increase interest rates to control inflation.

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