mean elasticity of loans to deposits of banks

简明释义

银行贷款对存款的平均弹性

英英释义

例句

1.In recent years, the mean elasticity of loans to deposits of banks has been fluctuating due to changes in economic conditions.

近年来，由于经济条件的变化，银行贷款与存款的平均弹性一直在波动。

2.The economist presented a study on the mean elasticity of loans to deposits of banks, which indicates how responsive banks are in adjusting their loan offerings based on deposit levels.

经济学家展示了一项关于银行贷款与存款的平均弹性的研究，表明银行在根据存款水平调整贷款产品时的响应程度。

3.Financial analysts often examine the mean elasticity of loans to deposits of banks to predict future lending trends.

金融分析师通常会检查银行贷款与存款的平均弹性以预测未来的贷款趋势。

4.A high mean elasticity of loans to deposits of banks suggests that banks are willing to lend more when they receive more deposits.

较高的银行贷款与存款的平均弹性表明，当银行收到更多存款时，它们愿意增加贷款。

5.Understanding the mean elasticity of loans to deposits of banks can help policymakers make informed decisions about interest rates.

了解银行贷款与存款的平均弹性可以帮助政策制定者就利率做出明智的决策。

作文

In the world of finance, understanding the relationship between loans and deposits is crucial for the stability and profitability of banks. One important concept that helps to analyze this relationship is the mean elasticity of loans to deposits of banks. This term refers to how sensitive the amount of loans issued by banks is to changes in the amount of deposits they receive. In simpler terms, it measures how much the lending capacity of a bank can change in response to fluctuations in its deposit base. Banks operate on a model where they take deposits from customers and use these funds to issue loans. The mean elasticity of loans to deposits of banks provides insight into how effectively banks can utilize their deposits to generate loans. If the elasticity is high, it means that a small increase in deposits will lead to a significant increase in loans. Conversely, if the elasticity is low, an increase in deposits will result in only a minor increase in loans. This understanding is vital for both bank management and regulators. For instance, during times of economic growth, consumers and businesses tend to deposit more money in banks. If the mean elasticity of loans to deposits of banks is high, banks can quickly respond to this influx of deposits by increasing their loan offerings. This can stimulate further economic activity, as businesses may invest in expansion and consumers may purchase homes or cars. On the other hand, if the elasticity is low, banks may not be able to lend out as much, potentially stifling economic growth. Moreover, the mean elasticity of loans to deposits of banks can vary based on several factors, including the regulatory environment, interest rates, and the overall economic climate. For example, in a low-interest-rate environment, banks may be more willing to lend, leading to a higher elasticity. Conversely, during economic downturns, banks may tighten their lending standards, resulting in lower elasticity. Understanding the mean elasticity of loans to deposits of banks also has implications for monetary policy. Central banks monitor this elasticity to gauge how effectively their policies are influencing the banking sector. If a central bank lowers interest rates, they expect that banks will increase lending. However, if the mean elasticity of loans to deposits of banks is low, the desired effect may not materialize, leading to a potential disconnect between monetary policy and real economic outcomes. In conclusion, the mean elasticity of loans to deposits of banks is a critical measure that reflects the responsiveness of bank lending to changes in deposits. It plays a significant role in determining how banks operate and how they contribute to the broader economy. By understanding this concept, stakeholders can make informed decisions that promote financial stability and economic growth. As we move forward in an ever-evolving financial landscape, keeping an eye on the elasticity of loans to deposits will remain essential for ensuring that banks can effectively fulfill their role in the economy.

在金融世界中，理解贷款和存款之间的关系对于银行的稳定性和盈利能力至关重要。一个帮助分析这种关系的重要概念是银行贷款与存款的平均弹性。这个术语指的是银行发放的贷款数量对其接收的存款数量变化的敏感程度。简单来说，它衡量的是银行的贷款能力在存款基础波动时可以发生多大变化。银行的运作模式是从客户那里接受存款，并利用这些资金发放贷款。银行贷款与存款的平均弹性提供了关于银行如何有效利用其存款来产生贷款的见解。如果弹性很高，这意味着存款小幅增加将导致贷款大幅增加。相反，如果弹性很低，存款的增加只会导致贷款的微小增加。这种理解对于银行管理层和监管机构都是至关重要的。例如，在经济增长时期，消费者和企业往往会将更多资金存入银行。如果银行贷款与存款的平均弹性很高，银行可以迅速响应这一存款涌入，通过增加贷款供应来刺激进一步的经济活动，因为企业可能会投资扩张，消费者可能会购买房屋或汽车。另一方面，如果弹性很低，银行可能无法提供如此多的贷款，潜在地抑制经济增长。此外，银行贷款与存款的平均弹性还可以根据多个因素而变化，包括监管环境、利率和整体经济气候。例如，在低利率环境下，银行可能更愿意放贷，从而导致更高的弹性。相反，在经济衰退期间，银行可能会收紧贷款标准，导致弹性降低。理解银行贷款与存款的平均弹性还对货币政策有影响。中央银行监控这种弹性，以评估其政策对银行部门的影响效果。如果中央银行降低利率，他们期望银行会增加贷款。然而，如果银行贷款与存款的平均弹性较低，预期的效果可能无法实现，导致货币政策与实际经济结果之间可能存在脱节。总之，银行贷款与存款的平均弹性是一个关键指标，反映了银行贷款对存款变化的响应程度。它在决定银行如何运作以及如何为更广泛的经济做出贡献方面发挥着重要作用。通过理解这一概念，各方可以做出明智的决策，以促进金融稳定和经济增长。随着我们在不断发展的金融环境中前行，关注贷款与存款的弹性将始终是确保银行能够有效履行其在经济中角色的关键。