creation of bank deposits

简明释义

银行存款创造，银行存款的产生

英英释义

例句

1.When you deposit cash into your account, it leads to the creation of bank deposits that can be lent out.

当你将现金存入账户时，这会导致银行存款的创造，这些存款可以被借出。

2.The creation of bank deposits can influence interest rates in the financial market.

银行存款的创造可能会影响金融市场的利率。

3.Understanding the creation of bank deposits helps us grasp how money supply is expanded.

理解银行存款的创造有助于我们掌握货币供应如何扩张。

4.Banks are required to maintain a reserve ratio that affects the creation of bank deposits.

银行需要保持一个法定准备金率，这会影响银行存款的创造。

5.The central bank plays a crucial role in the creation of bank deposits, which is essential for the economy.

中央银行在银行存款的创造中发挥着关键作用，这对经济至关重要。

作文

The banking system plays a crucial role in the economy, particularly through the process known as the creation of bank deposits. This process is fundamental to understanding how money circulates within an economy and how financial institutions contribute to economic growth. At its core, the creation of bank deposits refers to the way banks generate new deposits through lending activities. When a bank provides a loan to a borrower, it does not simply hand over cash; instead, it credits the borrower's account with the loan amount, effectively creating a new deposit in the banking system. This mechanism allows banks to expand the money supply and facilitate economic transactions.To illustrate this concept, consider a small business that needs a loan to purchase new equipment. The bank evaluates the business's creditworthiness and decides to lend $50,000. Upon approval, the bank credits the business's account with this amount. As a result, the total deposits in the banking system increase by $50,000, demonstrating the creation of bank deposits. This newly created deposit can now be used by the business to pay suppliers, employees, or invest in further growth.The creation of bank deposits is not only significant for individual businesses but also for the broader economy. When banks lend more money, they enable consumers and businesses to spend, which stimulates demand for goods and services. This increased spending can lead to higher production rates, job creation, and ultimately, economic growth. Therefore, the ability of banks to create deposits through lending is a vital component of economic development.Moreover, the creation of bank deposits is closely tied to the concept of fractional reserve banking. In this system, banks are required to hold only a fraction of their deposits as reserves while they can lend out the remainder. For instance, if a bank has a reserve requirement of 10%, it can lend out $90 for every $100 deposited. This practice magnifies the effect of the initial deposit, allowing for a greater overall increase in the money supply through multiple rounds of lending and deposit creation.However, the creation of bank deposits also comes with risks. If banks lend excessively without proper risk assessment, it can lead to defaults and financial instability. Additionally, during economic downturns, the demand for loans may decrease, leading to a contraction in the money supply and potentially causing a recession. Thus, while the creation of bank deposits is essential for economic activity, it must be managed carefully to ensure stability.In conclusion, the creation of bank deposits is a fundamental aspect of modern banking that supports economic growth and stability. It illustrates how banks play a pivotal role in the economy by transforming loans into deposits, thereby facilitating financial transactions and promoting business activities. Understanding this process helps us appreciate the intricate workings of the financial system and its impact on our daily lives. As we move forward, it is important for both policymakers and financial institutions to monitor and manage the creation of bank deposits to foster a healthy economic environment.

银行系统在经济中扮演着至关重要的角色，尤其是通过被称为银行存款的创造的过程。这个过程对于理解货币如何在经济中流通以及金融机构如何促进经济增长至关重要。根本上说，银行存款的创造指的是银行通过放贷活动生成新存款的方式。当银行向借款人提供贷款时，它并不是简单地交出现金；相反，它会将贷款金额记入借款人的账户，从而有效地在银行系统中创造了一个新的存款。这种机制使得银行能够扩大货币供应量，并促进经济交易。为了说明这一概念，考虑一个需要贷款以购买新设备的小企业。银行评估该企业的信用状况，并决定借出50,000美元。批准后，银行将此金额记入企业的账户。因此，银行系统中的总存款增加了50,000美元，展示了银行存款的创造。这个新创造的存款现在可以被企业用来支付供应商、员工或进一步投资于增长。银行存款的创造不仅对个别企业重要，对更广泛的经济也至关重要。当银行放出更多资金时，它们使消费者和企业能够消费，从而刺激对商品和服务的需求。这种消费的增加可能导致生产率提高、创造就业机会，并最终推动经济增长。因此，银行通过放贷创造存款的能力是经济发展的重要组成部分。此外，银行存款的创造与部分准备金银行制度的概念密切相关。在这种制度下，银行只需将其存款的一部分作为储备，而可以将其余部分放贷。例如，如果一家银行的准备金要求为10%，它可以在每存入100美元的情况下贷出90美元。这种做法放大了初始存款的效果，使得通过多轮放贷和存款创造整体货币供应量大幅增加。然而，银行存款的创造也伴随着风险。如果银行在没有适当风险评估的情况下过度放贷，可能导致违约和金融不稳定。此外，在经济低迷期间，对贷款的需求可能会减少，导致货币供应量收缩，并可能引发衰退。因此，尽管银行存款的创造对经济活动至关重要，但必须谨慎管理以确保稳定。总之，银行存款的创造是现代银行业的基本方面，支持经济增长和稳定。它说明了银行如何通过将贷款转化为存款，在促进金融交易和推动商业活动方面发挥关键作用。理解这一过程有助于我们欣赏金融系统的复杂运作及其对我们日常生活的影响。展望未来，政策制定者和金融机构都必须监控和管理银行存款的创造，以促进健康的经济环境。