bank's self-possessed funds

简明释义

银行自有资金

英英释义

例句

1.The financial report highlighted the importance of maintaining adequate bank's self-possessed funds for future investments.

财务报告强调了维持适当的银行自有资金以便于未来投资的重要性。

2.Before making any large purchases, the manager checked the balance of the bank's self-possessed funds.

在进行任何大额购买之前，经理检查了银行自有资金的余额。

3.The loan was approved because the company demonstrated it could cover the payments with its bank's self-possessed funds.

贷款获得批准，因为公司证明它可以用其银行自有资金支付款项。

4.Investors often look for businesses that have a strong reserve of bank's self-possessed funds to ensure stability.

投资者通常寻找拥有强大银行自有资金储备的企业，以确保稳定性。

5.A healthy amount of bank's self-possessed funds can help a business weather economic downturns.

充足的银行自有资金可以帮助企业度过经济低迷期。

作文

In the world of finance, understanding the various components that contribute to a bank's stability and operational efficiency is crucial. One such element is the bank's self-possessed funds, which refers to the capital that a bank has acquired through its own operations rather than through external borrowing or customer deposits. This term is significant because it highlights the financial independence of a bank and its ability to sustain itself without relying heavily on outside sources of funding. The bank's self-possessed funds can include retained earnings, equity capital, and other forms of internal financing that the bank generates over time.The importance of these funds cannot be overstated. Firstly, they provide a buffer against financial instability. In times of economic downturn or unexpected losses, having a solid base of bank's self-possessed funds allows a bank to absorb shocks without immediately resorting to drastic measures, such as cutting loans or raising interest rates. This financial cushion is essential for maintaining trust with customers and investors alike.Moreover, bank's self-possessed funds play a pivotal role in a bank's ability to invest in growth opportunities. When a bank has sufficient self-generated capital, it can pursue new ventures, expand its services, or enhance its technological infrastructure without needing to seek additional external financing. This autonomy not only fosters innovation but also positions the bank competitively in the market.From a regulatory perspective, banks are often required to maintain certain capital ratios, which include their bank's self-possessed funds. Regulatory bodies, such as the Basel Committee on Banking Supervision, emphasize the importance of capital adequacy to ensure that banks can withstand financial stress. By maintaining a healthy level of self-possessed funds, banks can comply with these regulations and avoid penalties or restrictions that could hinder their operations.Additionally, the management of bank's self-possessed funds is a critical function of bank leadership. It requires strategic planning and foresight to ensure that the bank not only maintains adequate reserves but also utilizes these funds effectively. Poor management of self-possessed funds can lead to liquidity issues, reduced profitability, and ultimately, a loss of confidence from stakeholders.In conclusion, the concept of bank's self-possessed funds is integral to understanding how banks operate and thrive in a competitive landscape. These funds represent a bank's financial health and resilience, enabling it to navigate challenges while pursuing growth. As the financial sector continues to evolve, the emphasis on maintaining robust self-possessed funds will remain a cornerstone of sound banking practices. Understanding this term and its implications can provide valuable insights into the overall stability and performance of financial institutions.

在金融世界中，理解构成银行稳定性和运营效率的各种要素至关重要。其中一个元素是银行自有资金，指的是银行通过自身运营获得的资本，而不是通过外部借款或客户存款。这一术语的重要性在于它突显了银行的财务独立性及其在不严重依赖外部资金来源的情况下维持自身的能力。银行自有资金可以包括留存收益、股本和其他形式的内部融资，这些资金是银行随着时间的推移而产生的。这些资金的重要性不容小觑。首先，它们为金融稳定提供了缓冲。在经济下滑或意外损失时，拥有坚实的银行自有资金基础使银行能够吸收冲击，而无需立即采取激烈措施，比如削减贷款或提高利率。这种财务缓冲对于维持客户和投资者的信任至关重要。此外，银行自有资金在银行投资增长机会的能力中也发挥着关键作用。当银行拥有足够的自有资本时，它可以追求新业务、扩展服务或增强其技术基础设施，而不需要寻求额外的外部融资。这种自主性不仅促进了创新，还使银行在市场上具备竞争力。从监管的角度来看，银行通常被要求维持一定的资本比率，其中包括其银行自有资金。巴塞尔银行监管委员会等监管机构强调资本充足性的重要性，以确保银行能够承受金融压力。通过维持健康的自有资金水平，银行可以遵守这些法规，避免可能阻碍其运营的惩罚或限制。此外，管理银行自有资金是银行领导层的一项关键职能。它需要战略规划和前瞻性思维，以确保银行不仅保持足够的储备，还能有效利用这些资金。对自有资金的管理不善可能导致流动性问题、盈利能力下降，最终导致利益相关者信心的丧失。总之，银行自有资金的概念对于理解银行如何在竞争环境中运作和繁荣至关重要。这些资金代表了银行的财务健康和韧性，使其能够应对挑战并追求增长。随着金融行业的不断发展，维持强大自有资金的重视仍将是健全银行实践的基石。理解这一术语及其影响，可以为我们提供有关金融机构整体稳定性和表现的宝贵见解。