cash-deposit ratio

简明释义

现金存款比率

英英释义

例句

1.A high cash-deposit ratio can signal to investors that a bank is prioritizing liquidity.

高现金存款比率可能向投资者发出信号，表明银行优先考虑流动性。

2.During economic uncertainty, many banks increase their cash-deposit ratio to prepare for potential withdrawals.

在经济不确定时期，许多银行提高其现金存款比率以应对潜在的提款。

3.The bank reported a cash-deposit ratio of 10%, indicating that it holds 10% of its deposits in cash.

该银行报告的现金存款比率为10%，这表明它将10%的存款以现金形式持有。

4.The cash-deposit ratio is an important metric for assessing a bank's financial health.

对于评估银行的财务健康状况，现金存款比率是一个重要指标。

5.Investors should pay attention to the cash-deposit ratio when evaluating the stability of a financial institution.

在评估金融机构的稳定性时，投资者应关注现金存款比率。

作文

The concept of cash-deposit ratio is crucial in understanding the liquidity and financial health of banks and financial institutions. The cash-deposit ratio refers to the proportion of a bank's cash reserves to its total deposits. This ratio is a significant indicator of how much cash a bank holds compared to the money it has received from customers as deposits. A higher cash-deposit ratio implies that the bank is more liquid, meaning it has sufficient cash on hand to meet withdrawal demands and other obligations. Conversely, a lower cash-deposit ratio may suggest that the bank is utilizing a larger portion of its deposits for loans and investments, which can enhance profitability but also increase risk.Understanding the cash-deposit ratio is essential for both bankers and customers. For bankers, maintaining an optimal cash-deposit ratio is vital for ensuring regulatory compliance and managing risks effectively. Regulatory bodies often set minimum requirements for this ratio to ensure that banks can withstand financial shocks and provide stability to the financial system. On the other hand, customers should be aware of their bank's cash-deposit ratio as it can impact the safety of their deposits. A bank with a very low cash-deposit ratio might be at risk of liquidity issues, which could potentially jeopardize customer funds.Additionally, the cash-deposit ratio can vary significantly across different banks and economic conditions. During times of economic uncertainty or financial crises, banks may increase their cash-deposit ratio to safeguard against potential losses. This practice is often seen during recessions when customers are more likely to withdraw their deposits. In contrast, during periods of economic growth, banks may lower their cash-deposit ratio, opting to invest more in loans and other assets to capitalize on favorable market conditions.Investors and analysts also closely monitor the cash-deposit ratio as part of their evaluation of a bank's performance. A stable or increasing cash-deposit ratio can indicate prudent management and a strong position in the market, while a declining ratio may raise red flags about a bank's operational strategies or risk management practices. Therefore, understanding the dynamics of the cash-deposit ratio is not only important for banking professionals but also for investors looking to make informed decisions about where to allocate their resources.In conclusion, the cash-deposit ratio serves as a vital metric in the banking sector, reflecting a bank's liquidity and overall financial stability. Customers, bankers, and investors alike must pay attention to this ratio to gauge the health of financial institutions and make informed decisions. As the financial landscape continues to evolve, the importance of understanding the cash-deposit ratio will remain a key element in navigating the complexities of banking and finance.

“现金存款比率”这一概念在理解银行和金融机构的流动性及财务健康方面至关重要。“现金存款比率”指的是银行现金储备与其总存款的比例。这个比率是银行持有的现金与客户作为存款所收到的钱的一个重要指标。较高的“现金存款比率”意味着银行更具流动性，这意味着它有足够的现金来满足提款需求和其他义务。相反，较低的“现金存款比率”可能表明银行将更多的存款用于贷款和投资，这可以提高盈利能力，但也会增加风险。理解“现金存款比率”对于银行家和客户都是至关重要的。对银行家来说，保持最佳的“现金存款比率”对确保合规性和有效管理风险至关重要。监管机构通常会设定该比率的最低要求，以确保银行能够抵御金融冲击，并为金融系统提供稳定性。另一方面，客户应当了解其银行的“现金存款比率”，因为这可能影响其存款的安全性。拥有非常低的“现金存款比率”的银行可能面临流动性问题，这可能会危及客户资金。此外，不同银行和经济条件下的“现金存款比率”可能会显著不同。在经济不确定或金融危机时期，银行可能会提高其“现金存款比率”，以保护自己免受潜在损失。这种做法通常在衰退期间被观察到，此时客户更可能提取他们的存款。相反，在经济增长时期，银行可能降低其“现金存款比率”，选择将更多资金投资于贷款和其他资产，以利用有利的市场条件。投资者和分析师也密切关注“现金存款比率”，作为评估银行业绩的一部分。稳定或增加的“现金存款比率”可以表明审慎的管理和强大的市场地位，而下降的比率可能会引发关于银行运营策略或风险管理实践的警示。因此，理解“现金存款比率”的动态不仅对银行专业人士重要，对于希望做出明智决策的投资者也是如此。总之，“现金存款比率”作为银行业的重要指标，反映了银行的流动性和整体财务稳定性。客户、银行家和投资者都必须关注这一比率，以评估金融机构的健康状况并做出明智的决策。随着金融环境的不断发展，理解“现金存款比率”的重要性将继续成为驾驭银行和金融复杂性的关键因素。