bank circulation

简明释义

银行流通额

英英释义

例句

1.In times of crisis, the government may increase bank circulation to stimulate the economy.

在危机时期，政府可能会增加银行流通以刺激经济。

2.The central bank regulates the bank circulation to ensure economic stability.

中央银行调节银行流通以确保经济稳定。

3.The rise in bank circulation can lead to inflation if not managed properly.

如果管理不当，银行流通的增加可能会导致通货膨胀。

4.Understanding bank circulation is crucial for managing a financial institution effectively.

理解银行流通对于有效管理金融机构至关重要。

5.Investors often monitor bank circulation as an indicator of economic health.

投资者通常会监测银行流通作为经济健康的指标。

作文

In the modern economy, the concept of bank circulation (银行流通) plays a crucial role in ensuring the smooth functioning of financial systems. Bank circulation refers to the movement of money within the banking system, including deposits, withdrawals, and transfers between accounts. This circulation is essential for maintaining liquidity, which allows banks to meet their customers' needs and support economic growth.To understand the importance of bank circulation (银行流通), we must first recognize how banks operate. Banks are intermediaries that accept deposits from individuals and businesses, providing them with a safe place to store their money. In return for these deposits, banks offer interest payments, which incentivize people to save. However, the money deposited does not simply sit idle; it is actively circulated within the bank's operations.When a customer deposits money into their account, the bank can use a portion of those funds to make loans to other customers. This process is known as fractional reserve banking. The ability to lend out money while keeping a fraction in reserve is what facilitates bank circulation (银行流通). It enables banks to create credit, which is vital for funding various economic activities such as business expansion, home purchases, and education.Moreover, bank circulation (银行流通) has a direct impact on the overall economy. When banks lend money, they inject liquidity into the market, stimulating consumer spending and investment. This, in turn, leads to job creation and economic growth. Conversely, when bank circulation (银行流通) slows down, it can lead to a credit crunch, where businesses and individuals struggle to obtain financing. This can stifle economic activity and lead to recession.Another aspect of bank circulation (银行流通) is its relationship with monetary policy. Central banks, such as the Federal Reserve in the United States, monitor and influence bank circulation (银行流通) through various tools, including interest rates and reserve requirements. By adjusting these parameters, central banks can encourage or discourage lending, impacting the amount of money circulating in the economy.In recent years, technological advancements have also transformed bank circulation (银行流通). The rise of digital banking and online payment systems has made it easier and faster for money to move between accounts. This increased efficiency has led to a more dynamic banking environment, where funds can be transferred instantly, enhancing overall bank circulation (银行流通).However, with these advancements come challenges. Cybersecurity threats and the risk of financial fraud can undermine the stability of bank circulation (银行流通). As more transactions occur online, banks must invest in robust security measures to protect customer information and maintain trust in the financial system.In conclusion, understanding the concept of bank circulation (银行流通) is essential for grasping how the banking system operates and its impact on the economy. It encompasses the movement of money within banks and their interactions with customers and the broader market. As technology continues to evolve, so too will the mechanisms of bank circulation (银行流通), shaping the future of finance and economic growth. Therefore, both consumers and policymakers must pay close attention to this critical aspect of the financial landscape.

在现代经济中，银行流通（bank circulation）的概念在确保金融系统顺利运作方面起着至关重要的作用。银行流通指的是资金在银行系统内的流动，包括存款、取款和账户之间的转账。这种流通对于维持流动性至关重要，流动性使得银行能够满足客户的需求并支持经济增长。要理解银行流通的重要性，我们首先必须认识到银行是如何运作的。银行是接受个人和企业存款的中介，为他们提供一个安全的地方来存储资金。作为对这些存款的回报，银行提供利息支付，以鼓励人们进行储蓄。然而，存入的资金并不只是静静地放着；它在银行的运营中被积极流通。当客户将钱存入他们的账户时，银行可以利用其中的一部分资金向其他客户发放贷款。这一过程被称为部分准备金银行制度。能够在保留一部分资金的同时借出钱，是促进银行流通的原因。它使得银行能够创造信贷，这对于资助各种经济活动，如商业扩张、购房和教育等至关重要。此外，银行流通对整体经济有直接影响。当银行放贷时，它们向市场注入流动性，刺激消费者支出和投资。这反过来又导致了就业机会的创造和经济增长。相反，当银行流通放缓时，可能会导致信贷紧缩，企业和个人难以获得融资。这会抑制经济活动并导致衰退。银行流通的另一个方面是其与货币政策的关系。中央银行，如美国的联邦储备委员会，监测并通过各种工具影响银行流通，包括利率和准备金要求。通过调整这些参数，中央银行可以鼓励或抑制贷款，从而影响经济中流通资金的数量。近年来，技术进步也改变了银行流通。数字银行和在线支付系统的兴起使得资金在账户之间的流动变得更加容易和快速。这种效率的提高导致了一个更加动态的银行环境，资金可以即时转移，从而增强了整体银行流通。然而，随着这些进步而来的挑战也不少。网络安全威胁和金融欺诈的风险可能会削弱银行流通的稳定性。随着越来越多的交易在线进行，银行必须投资于强大的安全措施，以保护客户信息并维护对金融系统的信任。总之，理解银行流通的概念对于掌握银行系统的运作及其对经济的影响至关重要。它涵盖了资金在银行内部的流动以及银行与客户和更广泛市场的互动。随着技术的不断发展，银行流通的机制也将不断演变，塑造金融和经济增长的未来。因此，消费者和政策制定者都必须密切关注这一金融格局的关键方面。