interbank loan; bank call loan; due to bank

简明释义

同业拆款

英英释义

例句

1.During the interbank lending market fluctuations, many banks sought interbank loans 银行间贷款 to stabilize their operations.

在银行间借贷市场波动期间，许多银行寻求interbank loans银行间贷款以稳定其运营。

2.Our company had to pay off a due to bank 到期应付银行款项 as part of our quarterly financial obligations.

作为我们季度财务义务的一部分，我们公司不得不偿还一笔due to bank到期应付银行款项。

3.A bank call loan 银行即期贷款 can be called back by the lender at any time, making it a flexible option for short-term financing.

由于bank call loan银行即期贷款可以随时被贷方收回，因此它成为短期融资的灵活选择。

4.The bank secured an interbank loan 银行间贷款 to manage its liquidity needs during the financial crisis.

在金融危机期间，银行通过获得一笔interbank loan银行间贷款来管理其流动性需求。

5.The interest rate on the bank call loan 银行即期贷款 is usually higher than traditional loans due to its short-term nature.

由于bank call loan银行即期贷款的短期性质，其利率通常高于传统贷款。

作文

In the world of finance, various types of loans play a crucial role in ensuring liquidity and stability within the banking system. One such important concept is the interbank loan 银行间贷款, which refers to the lending of funds between banks, typically for short periods. These loans are essential for maintaining the required reserve ratios and managing daily cash flow needs. When one bank finds itself with excess reserves, it can lend those funds to another bank that may be facing a temporary shortfall. This process helps to balance the overall liquidity in the financial system, allowing banks to meet their obligations without having to resort to more costly sources of funding.Another type of loan that is closely related to the interbank lending market is the bank call loan 银行拆借贷款. A call loan is a short-term loan that can be called or demanded back by the lender at any time. This flexibility makes call loans an attractive option for banks that need to manage their liquidity on a day-to-day basis. Banks often use call loans to adjust their positions quickly in response to changing market conditions or unexpected withdrawals. The nature of call loans means that they are typically secured by collateral, which provides additional security for the lender.Both interbank loans and bank call loans are part of a larger framework that includes various funding mechanisms available to banks. However, it is important to understand the implications of these loans on the broader economy. When banks engage in these transactions, they are not only managing their own liquidity but also influencing interest rates and credit availability for consumers and businesses. For instance, if banks are lending to each other freely, it can indicate a healthy financial environment where institutions feel confident in their ability to meet obligations. Conversely, if interbank lending dries up, it may signal underlying issues in the banking sector that could lead to tighter credit conditions for borrowers.Additionally, the term due to bank 应付银行 refers to the obligations that banks have towards each other or to their creditors. This can include amounts that are owed as a result of interbank loans or other forms of borrowing. Understanding these obligations is crucial for assessing the financial health of a bank. High levels of debt due to interbank borrowing can raise concerns about a bank's stability, particularly if it struggles to meet its repayment obligations. Therefore, regulators closely monitor these metrics to ensure that banks maintain adequate capital buffers and do not become overly reliant on short-term funding sources.In conclusion, the concepts of interbank loan, bank call loan, and due to bank are interconnected elements of the banking system that facilitate liquidity and stability. By understanding these terms, one can gain insights into how banks operate and how their actions can impact the broader economy. As we continue to navigate an ever-changing financial landscape, the importance of these loans will only grow, making it essential for both banking professionals and consumers to stay informed about their implications.

在金融世界中，各种类型的贷款在确保银行系统的流动性和稳定性方面发挥着至关重要的作用。其中一个重要的概念是银行间贷款，指的是银行之间的资金借贷，通常为短期。这些贷款对于保持所需的准备金比率和管理日常现金流需求至关重要。当一家银行发现自己有多余的准备金时，它可以将这些资金借给另一家可能面临临时短缺的银行。这个过程有助于平衡金融系统的整体流动性，使银行能够履行其义务，而无需诉诸于更昂贵的融资来源。与银行间借贷市场密切相关的另一种贷款是银行拆借贷款。拆借贷款是一种短期贷款，贷方可以随时要求偿还。这种灵活性使得拆借贷款成为银行在日常管理流动性时的一个有吸引力的选择。银行通常使用拆借贷款迅速调整其头寸，以应对不断变化的市场条件或意外的提款。拆借贷款的性质意味着它们通常以抵押品作为担保，这为贷方提供了额外的安全性。银行间贷款和银行拆借贷款都是银行可用的各种融资机制的更大框架的一部分。然而，理解这些贷款对更广泛经济的影响是重要的。当银行参与这些交易时，它们不仅在管理自己的流动性，还在影响消费者和企业的利率和信贷可用性。例如，如果银行之间的借贷非常自由，这可能表明一个健康的金融环境，在这个环境中，机构对履行义务的能力感到自信。相反，如果银行间借贷枯竭，这可能会发出银行部门潜在问题的信号，这可能导致借款人信贷条件的收紧。此外，术语应付银行指的是银行对彼此或其债权人的义务。这可以包括由于银行间贷款或其他形式的借贷而欠款的金额。理解这些义务对于评估银行的财务健康至关重要。由于银行间借贷而产生的高水平债务可能引发对银行稳定性的担忧，特别是如果它难以履行偿还义务。因此，监管机构密切监测这些指标，以确保银行维持足够的资本缓冲，并且不对短期融资来源过度依赖。总之，银行间贷款、银行拆借贷款和应付银行的概念是银行系统中相互关联的要素，有助于促进流动性和稳定性。通过理解这些术语，人们可以深入了解银行如何运作以及它们的行为如何影响更广泛的经济。随着我们继续在不断变化的金融环境中航行，这些贷款的重要性只会增加，因此，银行专业人士和消费者都必须保持对其影响的了解。