wholesale money

简明释义

批发款项

英英释义

例句

1.Companies often turn to wholesale money 批发资金 markets for large-scale financing needs.

公司通常会转向wholesale money 批发资金市场以满足大规模融资需求。

2.During economic downturns, banks often rely on wholesale money 批发资金 to maintain liquidity.

在经济衰退期间，银行通常依赖于wholesale money 批发资金来维持流动性。

3.The cost of wholesale money 批发资金 can significantly affect lending rates for consumers.

对于消费者而言，wholesale money 批发资金的成本会显著影响贷款利率。

4.The bank secured a low interest rate by borrowing wholesale money 批发资金 from the central bank.

银行通过向中央银行借入低利率的wholesale money 批发资金来确保资金成本较低。

5.Investors are attracted to funds that utilize wholesale money 批发资金 for better returns.

投资者被那些利用wholesale money 批发资金以获得更高回报的基金所吸引。

作文

In the world of finance, understanding the concept of wholesale money is crucial for both investors and institutions. Wholesale money refers to funds that are borrowed or lent in large amounts, typically between financial institutions rather than individual consumers. This type of financing is essential for banks and other financial entities as it allows them to manage liquidity and meet regulatory requirements effectively.The process of borrowing wholesale money often involves the issuance of bonds, certificates of deposit, or other financial instruments. These transactions usually occur in the money markets, where large sums of money are exchanged quickly and efficiently. One of the key characteristics of wholesale money is that it tends to have lower interest rates compared to retail borrowing because the risk is spread over a larger amount of capital and involves less administrative overhead.For instance, when a bank needs to raise funds quickly, it might tap into the wholesale money market by issuing short-term debt instruments. Other financial institutions, such as pension funds or insurance companies, are often the primary buyers of these instruments. This creates a symbiotic relationship where banks can secure necessary funding while investors can earn returns on their investments.Moreover, wholesale money plays a pivotal role in the overall economy. It helps stabilize the financial system by providing liquidity during times of economic uncertainty. For example, during a financial crisis, banks may find it challenging to lend to consumers. However, they can still access wholesale money to ensure they have enough capital to operate. This availability of funds helps maintain confidence in the banking system and prevents a complete collapse of financial markets.It is also important to note that wholesale money is influenced by various factors, including central bank policies, global economic conditions, and market demand for credit. Central banks often adjust interest rates to encourage or discourage borrowing in the wholesale market, which in turn affects the broader economy. For instance, lowering interest rates can stimulate borrowing and investment, leading to economic growth.In summary, wholesale money is a fundamental component of the financial landscape. Its significance extends beyond mere transactions between banks; it has far-reaching implications for the economy as a whole. Understanding how wholesale money functions can provide valuable insights into the dynamics of financial markets and the health of an economy. As we navigate through an increasingly complex financial environment, grasping the nuances of wholesale money will be essential for making informed investment decisions and understanding the broader economic context.

在金融世界中，理解批发资金的概念对投资者和机构都是至关重要的。批发资金是指以大额借入或借出的资金，通常发生在金融机构之间，而不是个人消费者之间。这种融资类型对于银行和其他金融实体来说至关重要，因为它使他们能够有效地管理流动性并满足监管要求。借用批发资金的过程通常涉及债券、存款证或其他金融工具的发行。这些交易通常发生在货币市场，在那里大量资金被迅速高效地交换。批发资金的一个关键特征是，与零售借贷相比，它往往具有较低的利率，因为风险分散在更大金额的资本上，并且涉及的行政开销较少。例如，当一家银行需要快速筹集资金时，它可能会通过发行短期债务工具进入批发资金市场。其他金融机构，如养老基金或保险公司，通常是这些工具的主要买家。这创造了一个共生关系，银行可以确保获得必要的资金，而投资者则可以从他们的投资中获得回报。此外，批发资金在整体经济中发挥着关键作用。它通过在经济不确定时期提供流动性来帮助稳定金融系统。例如，在金融危机期间，银行可能发现很难向消费者贷款。然而，他们仍然可以访问批发资金，以确保他们有足够的资本运营。这种资金的可用性有助于维持对银行系统的信心，防止金融市场的完全崩溃。同样重要的是要注意，批发资金受到各种因素的影响，包括中央银行政策、全球经济状况和信贷需求。中央银行经常调整利率以鼓励或抑制在批发市场的借贷，这反过来又影响到更广泛的经济。例如，降低利率可以刺激借贷和投资，从而导致经济增长。总之，批发资金是金融生态系统的基本组成部分。它的重要性超越了银行之间的单纯交易；它对整个经济有深远的影响。理解批发资金的运作方式可以为我们提供对金融市场动态及经济健康状况的宝贵见解。在我们在日益复杂的金融环境中航行时，掌握批发资金的细微差别将对做出明智的投资决策和理解更广泛的经济背景至关重要。