insured bank deposits

简明释义

已保险银行存款

英英释义

例句

1.The bank's policy ensures that all insured bank deposits 受保的银行存款 are covered up to a certain limit.

该银行的政策确保所有的受保的银行存款在一定限额内都得到保障。

2.Many people feel secure knowing that their insured bank deposits 受保的银行存款 are protected by government insurance.

许多人感到安心，因为他们的受保的银行存款受到政府保险的保护。

3.Investors often prefer insured bank deposits 受保的银行存款 over stocks during volatile market conditions.

在市场波动剧烈的情况下，投资者通常更喜欢受保的银行存款而不是股票。

4.During economic downturns, individuals often rely on insured bank deposits 受保的银行存款 for financial stability.

在经济低迷时期，个人通常依靠受保的银行存款来维持财务稳定。

5.When choosing a bank, it's important to verify that they offer insured bank deposits 受保的银行存款 to safeguard your savings.

在选择银行时，确认他们提供受保的银行存款以保护您的储蓄是很重要的。

作文

In today's financial landscape, the concept of insured bank deposits plays a crucial role in ensuring the safety of individuals' savings. Essentially, insured bank deposits refer to funds that are protected by government insurance programs, such as the Federal Deposit Insurance Corporation (FDIC) in the United States. This insurance coverage guarantees that depositors will receive their money back up to a certain limit, even if the bank fails. Understanding this concept is vital for anyone looking to secure their financial future.The primary purpose of insured bank deposits is to instill confidence in the banking system. When people know their money is safe, they are more likely to deposit their funds in banks rather than keeping them at home. This not only helps individuals but also strengthens the overall economy. Banks use these deposits to lend money to businesses and individuals, which in turn stimulates economic growth.Moreover, insured bank deposits provide peace of mind to depositors. In times of economic uncertainty or financial crises, knowing that their money is insured can alleviate anxiety for many individuals. For instance, during the 2008 financial crisis, the FDIC's insurance program played a key role in maintaining consumer confidence. People were reassured that their deposits were safe, which helped prevent a run on the banks.It is also important to note that there are limits to insured bank deposits. In the U.S., the standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. This means that if an individual has more than $250,000 in a single bank, they should consider spreading their funds across multiple banks or account types to ensure full coverage. Understanding these limits is essential for effective financial planning.In addition to individual savings accounts, insured bank deposits can also include checking accounts, certificates of deposit (CDs), and money market accounts. This broad coverage encourages individuals to utilize various banking products, thereby enhancing their financial management strategies. By diversifying their accounts, depositors can take advantage of different interest rates and liquidity options while still enjoying the security of insurance.Furthermore, the concept of insured bank deposits extends beyond personal finance. Businesses also benefit from this insurance, as it protects their operational funds held in banks. This security allows companies to focus on growth and innovation without the constant worry of losing their cash reserves due to bank failures.In conclusion, insured bank deposits are a fundamental aspect of modern banking that provides safety, confidence, and peace of mind for both individuals and businesses. By understanding how this insurance works and its limitations, depositors can make informed decisions about their finances. As we navigate through an ever-changing economic environment, the importance of insured bank deposits cannot be overstated. It is a vital component of a stable financial system that fosters trust and encourages savings, ultimately contributing to overall economic health.

在当今的金融环境中，受保险的银行存款这一概念在确保个人储蓄安全方面起着至关重要的作用。基本上，受保险的银行存款指的是受到政府保险计划保护的资金，例如美国的联邦存款保险公司（FDIC）。这种保险保障确保存款人在银行破产时仍能拿回他们的资金，最高可达一定限额。理解这一概念对任何希望确保财务未来的人来说都是至关重要的。受保险的银行存款的主要目的是增强人们对银行系统的信心。当人们知道他们的钱是安全的时，他们更可能将资金存入银行，而不是把钱放在家里。这不仅有利于个人，也增强了整体经济。银行利用这些存款向企业和个人贷款，从而刺激经济增长。此外，受保险的银行存款为存款人提供了安心。在经济不确定或金融危机时期，知道他们的资金是有保险的，可以减轻许多个人的焦虑。例如，在2008年金融危机期间，FDIC的保险计划在维护消费者信心方面发挥了关键作用。人们得以放心，他们的存款是安全的，这有助于防止银行挤兑。同样重要的是要注意，受保险的银行存款是有限制的。在美国，标准的保险金额是每位存款人每家受保险银行的250,000美元，适用于每种账户所有权类别。这意味着如果一个人在某一家银行的存款超过250,000美元，他们应该考虑将资金分散到多家银行或不同类型的账户中，以确保完全覆盖。理解这些限制对于有效的财务规划至关重要。除了个人储蓄账户，受保险的银行存款还可以包括支票账户、定期存款（CD）和货币市场账户。这种广泛的覆盖鼓励个人利用各种银行产品，从而增强他们的财务管理策略。通过多样化账户，存款人可以利用不同的利率和流动性选择，同时享受保险带来的安全感。此外，受保险的银行存款的概念不仅限于个人财务。企业也从这种保险中受益，因为它保护了他们在银行持有的运营资金。这种安全性使公司能够专注于增长和创新，而无需担心由于银行破产而失去现金储备。总之，受保险的银行存款是现代银行的重要组成部分，为个人和企业提供安全、信心和安心。通过理解这种保险的运作方式及其限制，存款人可以做出明智的财务决策。在我们在不断变化的经济环境中，受保险的银行存款的重要性不容小觑。它是一个稳定金融系统的重要组成部分，促进了信任并鼓励储蓄，最终有助于整体经济健康。