bank discount

简明释义

银行票据贴现

英英释义

例句

1.The bank discount can significantly reduce the overall cost of a loan.

这个银行折扣可以显著降低贷款的整体成本。

2.The bank offered a generous bank discount on early loan repayments.

银行对提前还款提供了慷慨的银行折扣。

3.Investors often consider the bank discount when evaluating bond yields.

投资者在评估债券收益时通常会考虑银行折扣。

4.Many businesses take advantage of the bank discount to improve cash flow.

许多企业利用银行折扣来改善现金流。

5.If you pay your credit card bill before the due date, you might receive a bank discount on your next statement.

如果你在到期日前支付信用卡账单，你可能会在下一个账单中收到银行折扣。

作文

In the world of finance, understanding various terms and concepts is crucial for making informed decisions. One such term that often comes up in discussions about loans and investments is bank discount. A bank discount refers to the deduction made by a bank from the face value of a financial instrument, such as a bond or a note, before it is issued to the investor. This discount represents the interest that the bank will earn on the investment over its term, effectively reducing the amount the investor pays initially. By grasping the concept of bank discount, individuals can better navigate their financial options and understand how banks operate.To illustrate the significance of bank discount, let us consider a simple example. Imagine an investor who wants to purchase a bond with a face value of $1,000 that matures in one year. The bank offers this bond at a bank discount of $100. This means that the investor will only need to pay $900 upfront to acquire the bond. When the bond matures after one year, the investor will receive the full face value of $1,000. In this case, the bank discount effectively serves as the interest earned on the investment, which amounts to $100.Understanding bank discount is essential for investors because it can impact the overall return on their investments. If an investor is not aware of how bank discount works, they may underestimate the actual cost of purchasing a financial instrument. Additionally, knowing the bank discount allows investors to compare different investment options more effectively. For instance, if two bonds are available with the same face value but different bank discounts, the one with the lower discount would yield a higher return upon maturity.Moreover, bank discount is not limited to just bonds; it can also apply to loans. When a bank issues a loan, it may offer it at a bank discount, meaning the borrower receives less than the total amount they are expected to repay. For example, if a borrower takes out a loan of $10,000 with a bank discount of $1,000, they will receive only $9,000 but will be required to repay the full $10,000. This practice is common in personal loans and can significantly affect the borrower’s financial planning.In conclusion, the concept of bank discount is fundamental in the realm of finance. It affects both investments and loans, influencing how much money an investor pays upfront and how much they ultimately receive. By understanding bank discount, individuals can make more strategic financial decisions, ensuring they maximize their returns while minimizing costs. Whether one is investing in bonds or taking out a loan, being aware of bank discount can lead to better financial outcomes and a deeper comprehension of the banking system. Therefore, it is essential for anyone involved in financial transactions to familiarize themselves with this important term and its implications.

在金融世界中，理解各种术语和概念对做出明智的决策至关重要。其中一个经常出现在贷款和投资讨论中的术语是银行折扣。银行折扣是指银行在向投资者发行金融工具（如债券或票据）之前，从其面值中扣除的金额。这个折扣代表了银行在投资期限内将赚取的利息，实际上减少了投资者最初支付的金额。通过掌握银行折扣的概念，个人可以更好地驾驭他们的金融选择，并理解银行的运作。为了说明银行折扣的重要性，让我们考虑一个简单的例子。想象一下，一个投资者希望购买一张面值为1,000美元的债券，该债券在一年后到期。银行以100美元的银行折扣提供这张债券。这意味着投资者只需提前支付900美元即可获得这张债券。当债券在一年后到期时，投资者将收到面值为1,000美元的全额。在这种情况下，银行折扣有效地作为投资所赚取的利息，金额为100美元。理解银行折扣对于投资者来说至关重要，因为它会影响他们投资的整体回报。如果投资者不了解银行折扣的运作，他们可能会低估购买金融工具的实际成本。此外，了解银行折扣使投资者能够更有效地比较不同的投资选项。例如，如果有两种相同面值的债券，但有不同的银行折扣，那么折扣较低的债券在到期时将产生更高的回报。此外，银行折扣不仅限于债券，它也可以适用于贷款。当银行发放贷款时，可能会以银行折扣的形式提供，这意味着借款人收到的金额少于他们预计要偿还的总额。例如，如果借款人申请一笔10,000美元的贷款，且有1,000美元的银行折扣，他们将仅收到9,000美元，但需要偿还全额10,000美元。这种做法在个人贷款中很常见，可能会显著影响借款人的财务计划。总之，银行折扣的概念在金融领域中是基础性的。它影响着投资和贷款，影响投资者前期支付多少资金以及最终收到多少资金。通过理解银行折扣，个人可以做出更具战略性的财务决策，确保最大化收益，同时最小化成本。无论是投资债券还是申请贷款，了解银行折扣都能带来更好的财务结果和对银行系统的更深刻理解。因此，任何参与金融交易的人都应熟悉这一重要术语及其影响。