Lãi suất NHNN policy rate - Part 4 TOEIC Luyện Thi
Tóm tắt nhanh: News brief SBV refinancing rate 4.5% Q4 2025. 3 câu hỏi: cơ quan, lãi suất, quý.
Monologue
(Recorded news brief)
This is your weekly banking news update. The State Bank of Vietnam announced on Friday that it will keep its refinancing rate unchanged at four point five percent in the fourth quarter of 2025, in line with analysts' expectations. The central bank also maintained the discount rate at three percent and the overnight interbank rate at six percent, citing stable inflation and a recovering economy. Governor Nguyen highlighted Vietnam's resilient GDP growth at six point eight percent year-on-year. Banks are expected to keep lending rates steady, supporting credit growth in manufacturing, exports, and consumer spending. The next policy review is scheduled for January 2026. Reporting for Business News, this is Tran Mai.
3 câu hỏi trắc nghiệm
Question 1: Which institution announced the rate?
- (A) Ministry of Finance
- (B) State Bank of Vietnam ✓
- (C) BIDV
- (D) IMF
Đáp án: (B) - "State Bank of Vietnam".
Question 2: What is the refinancing rate?
- (A) 3.0%
- (B) 4.5% ✓
- (C) 6.0%
- (D) 6.5%
Đáp án: (B) - "four point five percent".
Question 3: When does the rate take effect?
- (A) Q1 2025
- (B) Q3 2025
- (C) Q4 2025 ✓
- (D) Q1 2026
Đáp án: (C) - "fourth quarter of 2025".
Từ vựng
| Từ vựng | Nghĩa |
|---|---|
| weekly banking news update | cập nhật tin ngân hàng hàng tuần |
| State Bank of Vietnam | Ngân hàng Nhà nước Việt Nam |
| announced | thông báo |
| keep... unchanged | giữ nguyên |
| refinancing rate | lãi suất tái cấp vốn |
| four point five percent | 4.5 phần trăm |
| fourth quarter | quý 4 |
| in line with analysts' expectations | phù hợp kỳ vọng nhà phân tích |
| central bank | ngân hàng trung ương |
| discount rate | lãi suất chiết khấu |
| overnight interbank rate | lãi suất liên ngân hàng qua đêm |
| citing | viện dẫn |
| stable inflation | lạm phát ổn định |
| recovering economy | kinh tế phục hồi |
| Governor | Thống đốc |
| resilient | kiên cường |
| year-on-year | so với cùng kỳ |
| lending rates | lãi suất cho vay |
| steady | ổn định |
| credit growth | tăng trưởng tín dụng |
| manufacturing | sản xuất |
| exports | xuất khẩu |
| consumer spending | chi tiêu tiêu dùng |
| policy review | đánh giá chính sách |
| scheduled for | được lên lịch cho |
Traps
Bẫy 1: Institution
- SBV, không IMF hay Ministry.
Bẫy 2: Rate
- 4.5%, không 3% (discount) hoặc 6% (interbank).
Bẫy 3: Quarter
- Q4 2025, không Q1 2026 (next review).
Topic: SBV refinancing 4.5% Q4 2025 GDP 6.8% discount 3% interbank 6%.
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