Real interest rate (实际利率 shíjì lìlǜ) is the interest rate of the interest return that depositors or investors receive after excluding inflation.
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- 实 (shí) as in realizing (实现 shíxiàn), actually (其实 qíshí) or reality (现实 xiànshí); 际 (jì) as in international (国际 guójì). 实际 (shíjì) means realistic or practical.
- 利 (lì) as in utilizing (利用 lìyòng), victory (胜利 shènglì) or smooth (顺利 shùnlì). 率 (lǜ) as in efficiency (效率 xiàolǜ) or probability (概率 gàilǜ). 利率 (lìlǜ) means the rate of interest.