interbank demand deposit

简明释义

银行同业活期存款

英英释义

例句

1.A sudden increase in interbank demand deposits can indicate a lack of confidence in the banking system.

对银行间活期存款的突然增加可能表明对银行系统缺乏信心。

2.Banks often use interbank demand deposits as a tool for managing short-term funding needs.

银行通常将银行间活期存款作为管理短期融资需求的工具。

3.The central bank monitors the level of interbank demand deposits to gauge overall market liquidity.

中央银行监测银行间活期存款的水平，以评估整体市场流动性。

4.During the financial crisis, many banks relied heavily on interbank demand deposits to maintain liquidity.

在金融危机期间，许多银行严重依赖银行间活期存款来维持流动性。

5.The bank decided to increase its reserves by transferring funds from its interbank demand deposit to its cash reserves.

该银行决定通过将资金从其银行间活期存款转移到现金储备中来增加其储备。

作文

In the world of finance, understanding the various types of deposits is crucial for both individuals and institutions. One important term that often arises in discussions about banking and liquidity management is interbank demand deposit. This term refers to funds that banks hold on deposit with each other, which can be withdrawn on demand. The concept of interbank demand deposit plays a significant role in the overall stability and functioning of the banking system.To begin with, let's break down what interbank demand deposit means. First, we have 'interbank,' which signifies transactions or relationships between different banks. This means that the deposits are not held by an individual or a single bank but rather transferred among various banks within the financial system. Next, 'demand deposit' indicates that these funds are available for withdrawal at any time without any prior notice. This characteristic makes interbank demand deposit a highly liquid asset, essential for banks to manage their daily operations and meet customer withdrawals.The importance of interbank demand deposit can be illustrated through its role in maintaining liquidity in the banking system. Banks are required to keep a certain amount of reserves to ensure they can meet the demands of their customers. However, these reserves are not always sufficient to cover all withdrawals, especially during times of economic uncertainty. In such cases, banks can rely on interbank demand deposits to borrow funds from other banks, ensuring they have enough liquidity to operate smoothly.Moreover, interbank demand deposit serves as a tool for banks to manage their excess reserves. When a bank has more funds than it needs, it can deposit that excess in another bank, earning interest while still having access to those funds when necessary. This practice not only helps individual banks optimize their resources but also contributes to the overall efficiency of the banking system. By facilitating the flow of capital between banks, interbank demand deposit promotes stability and confidence in the financial markets.In addition to its operational significance, interbank demand deposit also reflects the health of the banking sector. A high volume of interbank deposits can indicate strong interbank relationships and a robust banking network. Conversely, a decline in such deposits may signal underlying issues in the financial system, prompting regulatory scrutiny and potential interventions.Furthermore, the concept of interbank demand deposit is closely tied to monetary policy. Central banks monitor interbank lending rates and the volume of interbank deposits to gauge the liquidity conditions in the economy. By adjusting interest rates and implementing policies that influence the availability of interbank demand deposits, central banks can effectively steer the economy towards growth or contraction, depending on the prevailing economic conditions.In conclusion, the term interbank demand deposit encapsulates a fundamental aspect of the banking system that facilitates liquidity, enhances operational efficiency, and reflects the overall health of financial institutions. As we navigate the complexities of modern finance, a solid understanding of concepts like interbank demand deposit is essential for anyone looking to grasp the intricacies of banking and monetary policy. By appreciating the role that these deposits play, we can better understand the interconnectedness of banks and the vital importance of maintaining a stable financial environment for all stakeholders involved.

在金融世界中，理解各种类型的存款对个人和机构都至关重要。一个在关于银行和流动性管理的讨论中经常出现的重要术语是银行间活期存款。这个术语指的是银行在彼此之间持有的可随时提取的资金。银行间活期存款的概念在整个银行系统的稳定性和运作中发挥着重要作用。首先，让我们分解一下银行间活期存款的含义。首先是“银行间”，它意味着不同银行之间的交易或关系。这意味着这些存款不是由个人或单一银行持有，而是转移到金融系统内的各种银行之间。接下来，“活期存款”表示这些资金可以在任何时间提取，而无需提前通知。这一特征使得银行间活期存款成为一种高度流动的资产，对银行管理日常运营和满足客户提款至关重要。银行间活期存款的重要性可以通过其在维持银行系统流动性中的作用来说明。银行需要保留一定数量的准备金，以确保能够满足客户的需求。然而，这些准备金并不总能覆盖所有提款，特别是在经济不确定时期。在这种情况下，银行可以依靠银行间活期存款从其他银行借款，以确保它们拥有足够的流动性以顺利运营。此外，银行间活期存款还作为银行管理多余准备金的工具。当一家银行拥有超过所需的资金时，它可以将这些多余的资金存入另一家银行，赚取利息，同时在必要时仍能访问这些资金。这一做法不仅帮助个别银行优化资源，还促进了整个银行系统的效率。通过促进银行之间资本的流动，银行间活期存款促进了金融市场的稳定和信心。除了其操作意义外，银行间活期存款还反映了银行部门的健康状况。高水平的银行间存款可能表明银行间关系良好和银行网络强大。相反，这种存款的下降可能暗示金融系统存在潜在问题，促使监管机构进行审查和潜在干预。此外，银行间活期存款的概念与货币政策密切相关。中央银行监测银行间借贷利率和银行间存款的数量，以评估经济中的流动性条件。通过调整利率和实施影响银行间活期存款可用性的政策，中央银行可以有效地引导经济朝着增长或收缩的方向发展，具体取决于当前的经济条件。总之，术语银行间活期存款概括了银行系统的一个基本方面，它促进了流动性，提高了运营效率，并反映了金融机构的整体健康状况。随着我们在现代金融的复杂性中航行，牢固理解像银行间活期存款这样的概念对于任何希望掌握银行和货币政策复杂性的人来说都是必不可少的。通过欣赏这些存款所发挥的作用，我们可以更好地理解银行之间的相互联系以及维护所有相关利益方稳定金融环境的重要性。