The effective interest rate takes into account the effect of compounding.

实际利率考虑了复利的影响。

Do you know what the effective interest rate on this loan is?

你知道这个贷款的实际利率是多少吗？

When calculating the effective interest rate, all fees and interest must be included.

计算实际利率时，必须包括所有费用和利息。

The rate advertised by the bank can be very different from the effective interest rate.

银行广告的利率和实际利率可能有很大不同。

Understanding the effective interest rate helps you make more informed financial decisions.

了解实际利率有助于你做出更明智的财务决策。

The lessee shall adopt the effective interest rate method to calculate and recognize the finance charge in the current period.

承租人应当采用实际利率法计算确认当期的融资费用。

On the other hand, commercial banks need to construct the effective interest rate risk management system.

另一方面，商业银行需要构建高效的利率风险内部防范体系。