bank bill

简明释义

银行票据;银行纸币

英英释义

例句

1.You can exchange your cash for a bank bill 银行汇票 at the bank.

你可以在银行将现金兑换成一张银行汇票。

2.I need to pay my rent, so I will write a bank bill 银行汇票 to my landlord.

我需要支付房租，所以我会给我的房东写一张银行汇票。

3.When traveling abroad, it's safer to carry a bank bill 银行汇票 instead of cash.

在国外旅行时，携带一张银行汇票比现金更安全。

4.The bank bill 银行汇票 was due for payment last week.

这张银行汇票的付款截止日期是上周。

5.The company issued a bank bill 银行汇票 to cover the expenses of the project.

公司开出了一张银行汇票来支付项目的费用。

作文

In today's financial world, understanding various terms and instruments is crucial for effective money management. One such term that often comes up is bank bill, which refers to a short-term financial instrument issued by a bank. Essentially, a bank bill represents a promise by the bank to pay a specified amount of money at a future date, typically within a year. This tool is commonly used in the money market and serves various purposes for both the banks and their clients.To begin with, a bank bill is generally issued at a discount to its face value. This means that when an investor purchases a bank bill, they pay less than the amount that will be returned at maturity. For example, if a bank bill has a face value of $1,000 and is sold for $950, the investor will receive the full $1,000 upon maturity. This difference of $50 represents the interest earned on the investment. This feature makes bank bills particularly attractive for investors looking for low-risk, short-term investment options.Moreover, bank bills are considered a safe investment because they are backed by the issuing bank. In many cases, these banks are well-established financial institutions with a solid reputation, which adds a layer of security for the investors. This aspect is especially appealing during times of economic uncertainty when investors are more risk-averse and seek safer avenues to park their funds.Another important factor to consider is how bank bills fit into the broader context of financial markets. They are often used by corporations and institutional investors as a way to manage cash flow and short-term funding needs. For instance, a company may issue a bank bill to cover immediate expenses while waiting for receivables to come in. This allows them to maintain liquidity without having to liquidate other investments or assets.Additionally, bank bills can also play a role in monetary policy. Central banks may use bank bills to influence interest rates and control the money supply. By adjusting the issuance of bank bills, central banks can either inject liquidity into the economy or withdraw excess funds, thereby stabilizing economic conditions.In conclusion, understanding the concept of a bank bill is essential for anyone involved in finance or investment. It is a versatile financial instrument that offers benefits to both banks and investors alike. The safety, liquidity, and short-term nature of bank bills make them an attractive option for managing cash flows and maintaining financial stability. As the financial landscape continues to evolve, being familiar with instruments like bank bills will undoubtedly enhance one's ability to navigate the complexities of modern finance. Whether you are an individual investor or part of a larger institution, having a firm grasp of what a bank bill entails can provide valuable insights into effective money management strategies.

在当今的金融世界中，理解各种术语和工具对于有效的资金管理至关重要。其中一个常常出现的术语是银行票据，它指的是由银行发行的短期金融工具。本质上，银行票据代表了银行在未来特定日期支付指定金额的承诺，通常是在一年内。这个工具通常用于货币市场，并为银行及其客户提供多种用途。首先，银行票据通常以低于其面值的价格发行。这意味着，当投资者购买银行票据时，他们支付的金额少于到期时将返还的金额。例如，如果一张银行票据的面值为1000美元，而以950美元出售，则投资者将在到期时收到全额1000美元。这50美元的差额代表了投资所赚取的利息。这个特性使得银行票据对寻求低风险短期投资选项的投资者尤其有吸引力。此外，银行票据被认为是一种安全的投资，因为它们由发行银行担保。在许多情况下，这些银行是信誉良好的成熟金融机构，这为投资者增加了一层安全性。在经济不确定时期，这一点尤其具有吸引力，因为投资者更加厌恶风险，寻求更安全的资金停放途径。另一个重要因素是银行票据如何融入更广泛的金融市场背景。公司和机构投资者通常使用银行票据来管理现金流和短期融资需求。例如，一家公司可能会发行银行票据来覆盖即时支出，同时等待应收账款的到来。这使他们能够保持流动性，而无需清算其他投资或资产。此外，银行票据也可以在货币政策中发挥作用。中央银行可能会使用银行票据来影响利率并控制货币供应。通过调整银行票据的发行，中央银行可以向经济注入流动性或撤回多余资金，从而稳定经济状况。总之，理解银行票据的概念对于任何参与金融或投资的人来说都是必不可少的。这是一种多功能的金融工具，为银行和投资者提供了好处。银行票据的安全性、流动性和短期性质使其成为管理现金流和维护财务稳定的有吸引力的选择。随着金融环境的不断演变，熟悉像银行票据这样的工具无疑将增强人们驾驭现代金融复杂性的能力。无论您是个人投资者还是大型机构的一部分，牢牢掌握银行票据的含义都能为有效的资金管理策略提供宝贵的见解。