discount bank debenture

简明释义

贴现银行债券

英英释义

例句

1.Many retirees prefer discount bank debentures for their predictable income streams.

许多退休人员更喜欢折扣银行债券，因为它们提供可预测的收入来源。

2.The bank offered a new discount bank debenture with an attractive interest rate.

银行提供了一种新的折扣银行债券，利率非常有吸引力。

3.The discount bank debenture issued last year has matured, providing substantial returns.

去年发行的折扣银行债券已经到期，提供了可观的回报。

4.Investors often look for a good yield when purchasing a discount bank debenture.

投资者在购买折扣银行债券时通常会寻找良好的收益。

5.A discount bank debenture can be a safer investment compared to stocks during market volatility.

折扣银行债券在市场波动期间比股票更安全，是一种投资选择。

作文

In the world of finance, various instruments are utilized to raise capital and manage investments. One such instrument is a discount bank debenture, which plays a significant role in the banking sector. To understand what a discount bank debenture is, we need to break down the components of this term. A debenture is essentially a type of long-term security yielding a fixed rate of interest, issued by a company and secured against assets. However, when it comes to banks, debentures can take on a unique form, especially when they are offered at a discount.A discount bank debenture is a debt instrument that is sold at a price lower than its face value. For instance, if a debenture has a face value of $1,000, it might be sold for $950. The difference between the purchase price and the face value represents the investor's return. This mechanism is particularly attractive to investors looking for opportunities to earn a higher yield compared to traditional savings accounts or fixed deposits.The appeal of a discount bank debenture lies not only in the potential for higher returns but also in the relative safety associated with bank-issued securities. Banks are generally considered stable institutions, and their debentures are often backed by the bank's assets or future earnings. This makes them a viable option for conservative investors who wish to balance risk and return in their portfolios.Moreover, discount bank debentures provide liquidity to the issuing bank. By selling these instruments, banks can raise funds quickly to support their lending activities or to meet regulatory requirements. This is particularly important in times of economic uncertainty when banks may need additional capital to maintain their operations.Investors should, however, be aware of the risks involved with discount bank debentures. Although they are generally safer than equity investments, they are not without risk. Factors such as changes in interest rates, economic downturns, or the financial health of the issuing bank can impact the value of these debentures. If interest rates rise, for example, the market value of existing debentures may fall, leading to potential losses for investors who wish to sell before maturity.In summary, a discount bank debenture offers a unique investment opportunity for individuals seeking fixed income with a potentially higher yield. It combines the features of traditional debt securities with the added benefit of being sold at a discount. While they present an attractive option for diversifying a portfolio, investors must conduct thorough research and consider their risk tolerance before investing. Understanding the mechanics of discount bank debentures can empower investors to make informed decisions and optimize their investment strategies in the ever-evolving financial landscape.

在金融世界中，各种工具被用来筹集资金和管理投资。其中一种工具是折扣银行债券，它在银行业中发挥着重要作用。要理解折扣银行债券是什么，我们需要分解这个术语的组成部分。债券本质上是一种长期证券，产生固定利率的利息，由公司发行并以资产作为担保。然而，当涉及到银行时，债券可以采取独特的形式，尤其是当它们以折扣价提供时。折扣银行债券是一种以低于面值的价格出售的债务工具。例如，如果一只债券的面值为1000美元，它可能以950美元的价格出售。购买价格与面值之间的差额代表了投资者的回报。这种机制对于寻找比传统储蓄账户或定期存款更高收益机会的投资者来说特别有吸引力。折扣银行债券的吸引力不仅在于潜在的更高回报，而且在于与银行发行的证券相关的相对安全性。银行通常被认为是稳定的机构，它们的债券通常由银行的资产或未来收益支持。这使得它们成为保守投资者在其投资组合中平衡风险和回报的可行选择。此外，折扣银行债券为发行银行提供了流动性。通过出售这些工具，银行可以迅速筹集资金，以支持其贷款活动或满足监管要求。这在经济不确定时期尤为重要，因为银行可能需要额外的资本来维持其运营。然而，投资者应意识到与折扣银行债券相关的风险。尽管它们通常比股票投资更安全，但并非没有风险。利率变化、经济衰退或发行银行的财务健康状况等因素都可能影响这些债券的价值。例如，如果利率上升，现有债券的市场价值可能会下降，从而导致希望在到期前出售的投资者可能遭受损失。总之，折扣银行债券为寻求固定收益和潜在更高收益的个人提供了独特的投资机会。它将传统债务证券的特征与以折扣价出售的附加好处结合在一起。虽然它们为多样化投资组合提供了一个有吸引力的选择，但投资者必须进行彻底的研究，并根据自己的风险承受能力进行考虑。在不断发展的金融环境中，了解折扣银行债券的机制可以使投资者做出明智的决策，并优化他们的投资策略。