banking power

简明释义

银行的贷款能力，银行的投资能力

英英释义

例句

1.Regulators are concerned about the banking power 银行权力 concentrated in just a few institutions.

监管机构对集中在少数几家机构中的银行权力表示担忧。

2.With their expanded banking power 银行权力, these banks can offer more competitive interest rates.

凭借扩大的银行权力，这些银行可以提供更具竞争力的利率。

3.The new regulations have significantly increased the banking power 银行权力 of large financial institutions.

新规章制度显著增强了大型金融机构的银行权力。

4.The banking power 银行权力 of credit unions is often underestimated compared to traditional banks.

与传统银行相比，信用合作社的银行权力常常被低估。

5.The merger has created a bank with unprecedented banking power 银行权力 in the region.

这次合并在该地区创造了一家拥有前所未有的银行权力的银行。

作文

In today's global economy, the concept of banking power plays a crucial role in shaping financial systems and influencing economic growth. Banking power refers to the ability of banks and financial institutions to create credit, manage risks, and facilitate transactions. This power is not only limited to the amount of money that banks can lend but also encompasses their influence over monetary policy and economic stability.One of the primary ways in which banking power manifests is through the creation of credit. Banks have the unique ability to lend out more money than they actually hold in deposits, thanks to the fractional reserve banking system. This means that when a bank receives a deposit, it is required to hold only a fraction of that amount in reserve, while the rest can be loaned out to borrowers. As a result, banks can significantly expand the money supply within an economy, which can stimulate growth and investment.However, with great banking power comes great responsibility. The lending practices of banks can lead to both positive and negative outcomes. On one hand, increased lending can support businesses and individuals in achieving their financial goals. On the other hand, excessive lending can lead to financial instability, as seen during the 2008 financial crisis. When banks lend irresponsibly, they may contribute to asset bubbles and ultimately face significant losses, which can have widespread repercussions on the economy.Furthermore, banking power is closely tied to the regulatory environment in which banks operate. Governments and regulatory bodies impose rules and guidelines to ensure that banks engage in safe lending practices and maintain sufficient capital reserves. These regulations are essential for maintaining public confidence in the banking system and preventing systemic risks. However, there is often a delicate balance between regulation and allowing banks the freedom to operate efficiently. Too much regulation can stifle innovation and limit the ability of banks to respond to market demands, while too little can lead to reckless behavior.The impact of banking power extends beyond national borders. In an increasingly interconnected world, the decisions made by banks in one country can have ripple effects across the globe. For example, when major banks in the United States or Europe make significant changes to their lending practices, it can affect interest rates, investment flows, and economic conditions in emerging markets. This interconnectedness underscores the importance of international cooperation among regulators and financial institutions to ensure a stable global financial system.In conclusion, understanding banking power is essential for comprehending the dynamics of modern economies. It is a double-edged sword that can drive growth and innovation while also posing risks to financial stability. As we move forward, it is crucial for policymakers, regulators, and financial institutions to work together to harness the positive aspects of banking power while mitigating its potential downsides. By doing so, we can create a more resilient and prosperous economic environment for all stakeholders involved.

在当今全球经济中，银行权力的概念在塑造金融体系和影响经济增长方面发挥着至关重要的作用。银行权力指的是银行和金融机构创造信贷、管理风险和促进交易的能力。这种权力不仅限于银行能够借出的资金数量，还包括它们对货币政策和经济稳定的影响。银行权力表现出来的主要方式之一是信贷的创造。银行具有将存款金额的更多资金借出的独特能力，这要归功于部分准备金银行制度。这意味着，当银行收到存款时，它只需将该金额的一部分作为准备金保留，而其余部分可以借给借款人。因此，银行可以显著扩大经济中的货币供应，从而刺激增长和投资。然而，伴随巨大的银行权力而来的是巨大的责任。银行的贷款实践可能导致积极和消极的结果。一方面，增加的贷款可以支持企业和个人实现他们的财务目标。另一方面，过度贷款可能导致金融不稳定，就像在2008年金融危机中看到的那样。当银行进行不负责任的贷款时，可能会导致资产泡沫，并最终面临重大损失，这可能对经济产生广泛的影响。此外，银行权力与银行运营的监管环境密切相关。政府和监管机构实施规则和指导方针，以确保银行采取安全的贷款实践，并保持足够的资本储备。这些法规对于维护公众对银行系统的信心和防止系统性风险至关重要。然而，往往在监管和允许银行有效运营之间存在微妙的平衡。过多的监管可能会抑制创新并限制银行响应市场需求的能力，而过少的监管则可能导致鲁莽行为。银行权力的影响超越国界。在一个日益互联的世界中，一个国家银行所做的决定可能会对全球产生涟漪效应。例如，当美国或欧洲的主要银行对其贷款实践进行重大更改时，可能会影响新兴市场的利率、投资流动和经济条件。这种相互关联性强调了监管者和金融机构之间国际合作的重要性，以确保全球金融体系的稳定。总之，理解银行权力对于理解现代经济动态至关重要。这是一把双刃剑，可以推动增长和创新，同时也带来金融稳定的风险。随着我们向前发展，政策制定者、监管机构和金融机构必须共同努力，利用银行权力的积极方面，同时减轻其潜在的负面影响。通过这样做，我们可以为所有相关利益方创造一个更具韧性和繁荣的经济环境。