banker's margin

简明释义

银行存款保证额

英英释义

例句

1.During the meeting, the financial advisor explained how the banker's margin 银行家利润 contributes to the bank's profitability.

在会议上，财务顾问解释了银行家利润 银行家利润如何有助于银行的盈利能力。

2.The lender offered a loan with a low interest rate but included a high banker's margin 银行家利润 to cover potential risks.

贷款人提供了一个低利率的贷款，但包括了高的银行家利润 银行家利润以覆盖潜在风险。

3.The banker's margin 银行家利润 can vary significantly between different banks and financial institutions.

不同银行和金融机构之间的银行家利润 银行家利润可能会有显著差异。

4.Investors should be aware of the banker's margin 银行家利润 when assessing the profitability of a financial product.

投资者在评估金融产品的盈利能力时，应注意银行家利润 银行家利润。

5.When negotiating the terms, it's crucial to understand how the banker's margin 银行家利润 affects your overall repayment amount.

在谈判条款时，了解银行家利润 银行家利润如何影响你的整体还款金额是至关重要的。

作文

In the world of finance, various terms and phrases are used to describe specific concepts and practices. One such term is banker's margin, which refers to the difference between the interest rate a bank charges borrowers and the interest rate it pays to depositors. This margin is crucial for the profitability of financial institutions and serves as a primary source of income for banks. Understanding the concept of banker's margin can provide insights into how banks operate and how they manage their resources to ensure sustainability and growth.The banker's margin plays a significant role in the functioning of the banking system. When a bank lends money to individuals or businesses, it typically charges a higher interest rate than what it offers to those who deposit money with them. This difference, or margin, is essential for covering operational costs, risks associated with lending, and generating profits. For example, if a bank pays an interest rate of 1% to its savers but charges 5% on loans, the banker's margin would be 4%. This margin not only compensates the bank for the risk of default by borrowers but also allows it to invest in other profitable ventures.Furthermore, the banker's margin is influenced by various factors, including economic conditions, competition among banks, and central bank policies. During periods of economic growth, banks may increase their lending rates due to higher demand for loans, which can widen the banker's margin. Conversely, in times of economic downturn, banks might lower their rates to attract borrowers, which could compress their margins. Understanding these dynamics is critical for anyone looking to navigate the financial landscape, whether as a consumer seeking loans or as an investor considering bank stocks.Additionally, the banker's margin can vary significantly across different types of loans. For instance, mortgages often have lower margins compared to personal loans or credit cards. This is because mortgages are secured by the property being purchased, reducing the risk for the lender. In contrast, unsecured loans carry higher risks, leading banks to charge higher interest rates and thus establish a larger banker's margin. This differentiation is vital for consumers to understand when choosing the right type of financing for their needs.Moreover, the banker's margin also reflects the overall health of the banking sector. A healthy margin indicates that banks are managing their risks effectively and are able to maintain profitability even in challenging economic conditions. On the other hand, shrinking margins may signal increased competition or rising defaults, prompting banks to reassess their lending strategies and risk management practices.In conclusion, the term banker's margin encapsulates a fundamental aspect of banking operations. It highlights the balance that banks must strike between attracting deposits and providing loans at competitive rates. By understanding the implications of the banker's margin, individuals can make more informed decisions regarding their finances and investments. As the financial landscape continues to evolve, staying informed about key concepts like the banker's margin will empower consumers and investors alike to navigate the complexities of the banking system effectively.

在金融世界中，各种术语和短语用于描述特定的概念和实践。其中一个术语是银行家的利润，指的是银行向借款人收取的利率与支付给存款人的利率之间的差异。这个利润对于金融机构的盈利能力至关重要，并且是银行收入的主要来源。理解银行家的利润的概念可以提供关于银行如何运作以及如何管理其资源以确保可持续性和增长的洞察。银行家的利润在银行系统的运作中起着重要作用。当银行向个人或企业提供贷款时，通常会收取比存款人获得的利率更高的利率。这种差异或利润对于覆盖运营成本、借贷相关风险以及产生利润至关重要。例如，如果一家银行向储户支付1%的利率，但对贷款收取5%的利率，则银行家的利润为4%。这个利润不仅补偿了银行因借款人违约而面临的风险，还使其能够投资于其他有利可图的项目。此外，银行家的利润受多种因素的影响，包括经济状况、银行之间的竞争以及中央银行的政策。在经济增长期间，银行可能会因贷款需求增加而提高其贷款利率，这可能会扩大银行家的利润。相反，在经济衰退时期，银行可能会降低利率以吸引借款人，这可能会压缩其利润。理解这些动态对于任何希望在金融领域中游刃有余的人来说都是至关重要的，无论是作为寻求贷款的消费者，还是作为考虑投资银行股票的投资者。此外，银行家的利润在不同类型的贷款中可能会有显著差异。例如，抵押贷款的利润通常低于个人贷款或信用卡。这是因为抵押贷款是以所购物业为担保的，从而降低了贷方的风险。相比之下，无担保贷款的风险更高，导致银行收取更高的利率，从而建立了更大的银行家的利润。这种差异化对于消费者在选择适合其需求的融资方式时至关重要。此外，银行家的利润也反映了银行部门的整体健康状况。健康的利润表明银行有效地管理其风险，并能够在充满挑战的经济条件下保持盈利能力。相反，利润缩小可能表明竞争加剧或违约上升，促使银行重新评估其借贷策略和风险管理实践。总之，银行家的利润这一术语概括了银行运营的一个基本方面。它突出了银行在吸引存款和以具有竞争力的利率提供贷款之间必须达成的平衡。通过理解银行家的利润的含义，个人可以更明智地做出财务和投资决策。随着金融环境的不断演变，了解像银行家的利润这样的关键概念将使消费者和投资者能够有效地驾驭银行系统的复杂性。