multiple expansion of bank deposits

简明释义

银行存款多倍扩张

英英释义

例句

1.During the financial crisis, there was a notable multiple expansion of bank deposits, reflecting a 银行存款的倍数扩张 in consumer confidence.

在金融危机期间，出现了显著的银行存款的倍数扩张，反映了消费者信心的提升。

2.As businesses recover, we anticipate a multiple expansion of bank deposits that will support a 银行存款的倍数扩张 in lending.

随着企业复苏，我们预计会有银行存款的倍数扩张，这将支持贷款的增长。

3.The central bank's actions can directly influence the multiple expansion of bank deposits across the economy, leading to a 银行存款的倍数扩张.

中央银行的行动可以直接影响整个经济的银行存款的倍数扩张。

4.Investors are optimistic about the multiple expansion of bank deposits due to lower interest rates, indicating a 银行存款的倍数扩张趋势。

由于利率降低，投资者对银行存款的倍数扩张持乐观态度，这表明一种趋势。

5.The recent economic policies have led to a significant multiple expansion of bank deposits, which is a 银行存款的倍数扩张 phenomenon.

近期的经济政策导致了显著的银行存款的倍数扩张现象。

作文

The concept of multiple expansion of bank deposits is crucial to understanding how banks operate within the financial system. Essentially, this term refers to the process by which banks can increase the amount of money available in the economy through lending. When a bank receives deposits from customers, it does not simply store that money; instead, it uses a portion of those deposits to issue loans. This activity creates new money in the economy, as the borrowers will typically spend that money, leading to further deposits in the banking system. The multiple expansion of bank deposits occurs because banks are allowed to lend out more than they actually hold in deposits, thanks to the fractional reserve banking system.To illustrate this concept, consider a hypothetical scenario where a bank has $1 million in deposits and is required to keep a reserve of 10%. This means that the bank must retain $100,000 in reserves but can lend out $900,000. If a borrower takes out a loan for $900,000 and spends it, that money will eventually be deposited back into the banking system. When this happens, the bank can again lend out 90% of that new deposit, leading to another round of lending. This cycle continues, allowing the initial deposit to generate multiple rounds of loans and deposits, which is the essence of multiple expansion of bank deposits.The implications of this process are significant. On one hand, multiple expansion of bank deposits can stimulate economic growth by providing businesses and consumers with access to capital. This can lead to increased spending, investment, and ultimately job creation. However, it also carries risks. If banks lend too aggressively, it can lead to an overheated economy and contribute to asset bubbles. Furthermore, during times of economic downturns, the reliance on this system can exacerbate financial crises, as seen in the 2008 financial crisis when many banks faced insolvency due to bad loans.In conclusion, the multiple expansion of bank deposits is a fundamental aspect of modern banking that plays a vital role in the economy. It allows for increased liquidity and access to credit, which can drive economic growth. However, it is essential for banks to manage their lending practices carefully to avoid the pitfalls that can arise from excessive risk-taking. Understanding this concept helps individuals grasp the complexities of the banking system and its impact on the broader economy.

“银行存款的倍数扩张”这一概念对于理解银行在金融系统中的运作至关重要。简单来说，这个术语指的是银行通过放贷来增加经济中可用资金的过程。当银行从客户那里收到存款时，它并不会仅仅存储这些钱；相反，它会使用一部分存款发放贷款。这项活动在经济中创造了新的货币，因为借款人通常会花费这笔钱，从而导致银行系统中进一步的存款。“银行存款的倍数扩张”发生是因为银行被允许借出超过其实际持有的存款，这要归功于部分准备金银行制度。为了说明这一概念，考虑一个假设场景：一家银行拥有100万美元的存款，并且需要保留10%的准备金。这意味着银行必须保留10万美元的准备金，但可以借出90万美元。如果借款人获得了一笔90万美元的贷款并进行了消费，这笔钱最终将再次存入银行系统。当这种情况发生时，银行可以再次借出90%的新存款，从而引发另一轮放贷。这一循环持续进行，使得最初的存款能够产生多轮贷款和存款，这正是“银行存款的倍数扩张”的本质。这一过程的影响是显著的。一方面，“银行存款的倍数扩张”可以通过为企业和消费者提供资金获取渠道来刺激经济增长。这可能导致支出、投资的增加，以及最终的就业创造。然而，这也带来了风险。如果银行放贷过于激进，可能导致经济过热并助长资产泡沫。此外，在经济衰退时期，对这一系统的依赖可能加剧金融危机，正如2008年金融危机中许多银行因不良贷款面临破产的情况。总之，“银行存款的倍数扩张”是现代银行业的一个基本方面，在经济中发挥着重要作用。它允许流动性和信贷获取的增加，从而推动经济增长。然而，银行必须谨慎管理其放贷行为，以避免因过度冒险而带来的陷阱。理解这一概念有助于个人掌握银行系统的复杂性及其对更广泛经济的影响。