deposit turnover

简明释义

银行存款周转率

英英释义

例句

1.The finance team analyzed the deposit turnover 存款周转率 to identify trends in customer behavior.

财务团队分析了存款周转率 deposit turnover以识别客户行为的趋势。

2.To improve deposit turnover 存款周转率, the bank introduced new online banking features.

为了提高存款周转率 deposit turnover，银行推出了新的在线银行功能。

3.The bank reported an increase in deposit turnover 存款周转率 this quarter, indicating more active customer transactions.

银行报告本季度存款周转率 deposit turnover的增加，表明客户交易更加活跃。

4.Investors often look at deposit turnover 存款周转率 as a measure of a bank's efficiency.

投资者通常将存款周转率 deposit turnover视为衡量银行效率的标准。

5.A higher deposit turnover 存款周转率 can lead to better interest rates for customers.

更高的存款周转率 deposit turnover可以为客户带来更好的利率。

作文

In the world of finance and banking, understanding various terms is crucial for both professionals and customers. One such term that often comes up is deposit turnover, which refers to the rate at which deposits are withdrawn and replaced over a specific period. This metric is vital for banks as it helps them assess their liquidity and operational efficiency. A high deposit turnover indicates that a bank is effectively managing its deposits, leading to better cash flow and financial stability. Conversely, a low deposit turnover may signal issues with customer retention or dissatisfaction, which could ultimately affect the bank's profitability.When analyzing deposit turnover, it is essential to consider various factors that influence this metric. For instance, interest rates play a significant role in attracting or deterring deposits. If a bank offers higher interest rates, it may see an increase in deposits, leading to a higher deposit turnover. On the other hand, if the rates are low, customers might withdraw their funds to seek better returns elsewhere, resulting in a decrease in deposit turnover.Another critical factor is the overall economic environment. During periods of economic uncertainty, individuals and businesses may prefer to keep their funds liquid, leading to increased withdrawals and potentially affecting the deposit turnover. Banks need to monitor these trends closely to adjust their strategies accordingly. Additionally, customer service and satisfaction play a pivotal role in maintaining a healthy deposit turnover. Banks that prioritize customer experience are more likely to retain deposits, thus improving their turnover rates.Moreover, technological advancements have also impacted deposit turnover. With the rise of online banking and mobile applications, customers can easily access their accounts, making deposits and withdrawals more convenient. This ease of access can lead to increased activity in accounts, influencing the deposit turnover positively. However, it also means that banks must invest in technology to keep up with customer expectations and maintain their competitive edge.In conclusion, deposit turnover is a crucial indicator of a bank's financial health and operational efficiency. By understanding and monitoring this metric, banks can make informed decisions about their strategies and improve their services. Factors such as interest rates, economic conditions, customer satisfaction, and technological advancements all play a significant role in influencing deposit turnover. As the banking industry continues to evolve, staying attuned to these elements will be essential for maintaining a strong position in the market.

在金融和银行的世界中，理解各种术语对于专业人士和客户都是至关重要的。其中一个经常出现的术语是存款周转率，它指的是在特定时间段内存款被提取和替换的速度。这个指标对银行来说至关重要，因为它帮助他们评估流动性和运营效率。高存款周转率表明银行有效地管理其存款，从而带来更好的现金流和财务稳定性。相反，低存款周转率可能表明客户保留或不满意的问题，这最终会影响银行的盈利能力。在分析存款周转率时，考虑影响该指标的各种因素至关重要。例如，利率在吸引或阻止存款方面起着重要作用。如果一家银行提供更高的利率，可能会看到存款的增加，从而导致存款周转率的提高。另一方面，如果利率较低，客户可能会提取资金以寻求更好的回报，从而导致存款周转率的下降。另一个关键因素是整体经济环境。在经济不确定时期，个人和企业可能更倾向于保持资金的流动性，导致提款增加，并可能影响存款周转率。银行需要密切监测这些趋势，以便相应调整其战略。此外，客户服务和满意度在维持健康的存款周转率方面也发挥着重要作用。优先考虑客户体验的银行更有可能保留存款，从而改善其周转率。此外，技术进步也影响了存款周转率。随着在线银行和移动应用程序的兴起，客户可以轻松访问其账户，使存款和取款更加方便。这种便利性可能会导致账户活动的增加，从而对存款周转率产生积极影响。然而，这也意味着银行必须在技术上进行投资，以跟上客户期望并保持竞争优势。总之，存款周转率是银行财务健康和运营效率的重要指标。通过理解和监测这一指标，银行可以就其战略做出明智的决策并改善服务。利率、经济状况、客户满意度和技术进步等因素都在影响存款周转率方面发挥着重要作用。随着银行业的不断发展，紧跟这些因素将对在市场中保持强大地位至关重要。