banking capital

简明释义

银行资本

英英释义

例句

1.A strong banking capital 银行资本 base can help banks weather economic downturns.

强大的银行资本 银行资本基础可以帮助银行应对经济衰退。

2.Investors are often interested in the banking capital 银行资本 of a financial institution before making decisions.

投资者在做出决策之前，通常会关注金融机构的银行资本 银行资本。

3.The bank requires a minimum amount of banking capital 银行资本 to ensure financial stability.

银行要求最低的银行资本 银行资本以确保财务稳定。

4.Regulatory bodies monitor the banking capital 银行资本 ratios to maintain the health of the banking system.

监管机构监控银行资本 银行资本比率，以维护银行系统的健康。

5.The increase in banking capital 银行资本 allows the bank to expand its lending capabilities.

增加的银行资本 银行资本使银行能够扩大其贷款能力。

作文

In the world of finance, the term banking capital refers to the funds that banks use to support their operations and absorb potential losses. It is essential for maintaining the stability and solvency of financial institutions. Without sufficient banking capital (银行资本), banks would struggle to manage risks and meet regulatory requirements, which could lead to a loss of confidence among depositors and investors.The concept of banking capital encompasses various forms of financial resources, including equity capital, retained earnings, and reserves. Equity capital is the money that shareholders invest in a bank, while retained earnings are the profits that the bank has reinvested rather than distributed as dividends. Reserves are funds set aside to cover potential losses or unexpected expenses.Regulatory authorities, such as the Basel Committee on Banking Supervision, have established guidelines regarding the minimum levels of banking capital (银行资本) that banks must maintain. These regulations aim to ensure that banks can withstand economic downturns and continue to operate effectively. The capital adequacy ratio (CAR) is a key metric used to assess a bank's capital strength relative to its risk-weighted assets. A higher CAR indicates a more robust financial position, allowing banks to take on additional risks and lending opportunities.The significance of banking capital extends beyond individual banks; it plays a crucial role in the overall stability of the financial system. When banks have adequate capital, they can lend more freely, stimulating economic growth and development. Conversely, when banking capital (银行资本) levels are low, banks may restrict lending, leading to a slowdown in economic activity.Moreover, during times of financial crisis, the importance of banking capital becomes even more pronounced. For instance, during the 2008 financial crisis, many banks faced severe liquidity issues due to inadequate capital buffers. Governments around the world had to intervene by providing bailouts and implementing measures to strengthen the banking sector's capital base. This situation highlighted the need for robust capital frameworks to safeguard against future crises.In conclusion, banking capital (银行资本) is a fundamental component of a bank's financial health and stability. It serves as a cushion against losses and enables banks to fulfill their role in the economy by providing loans and facilitating transactions. Understanding the dynamics of banking capital is essential for anyone interested in finance, economics, or banking, as it directly impacts the functioning of financial institutions and the broader economy.