interest margin

简明释义

利差

英英释义

例句

1.The interest margin 利息差 is a key metric for assessing a bank's financial health.

利息差 interest margin是评估银行财务健康状况的关键指标。

2.To improve their interest margin 利息差, banks may raise interest rates on loans.

为了改善其利息差 interest margin，银行可能会提高贷款利率。

3.A narrowing interest margin 利息差 can indicate increased competition among banks.

缩小的利息差 interest margin可能表明银行之间竞争加剧。

4.Investors are closely watching the interest margin 利息差 of financial institutions for signs of profitability.

投资者密切关注金融机构的利息差 interest margin，以寻找盈利迹象。

5.The bank reported an increase in its interest margin 利息差 due to higher loan rates.

该银行报告称，由于贷款利率上升，其利息差 interest margin有所增加。

作文

The concept of interest margin refers to the difference between the interest income generated by banks or financial institutions and the amount of interest paid out to their depositors. This metric is crucial for assessing the profitability of a bank's lending activities. When we talk about interest margin, we are essentially discussing how effectively a bank can manage its assets and liabilities to maximize profits. A higher interest margin indicates that a bank is earning more from its loans compared to what it pays on deposits, which is a positive sign for its financial health.To understand interest margin better, let's consider an example. Suppose a bank lends money at an interest rate of 5% and pays its depositors an interest rate of 2%. The interest margin in this case would be 3%. This margin is significant because it shows how much profit the bank is making from its core operations. If the interest margin shrinks, it may indicate that the bank is facing challenges, such as increased competition or rising costs, which could affect its overall profitability.Moreover, the interest margin can fluctuate based on various economic factors. For instance, during periods of low-interest rates, banks might find it difficult to maintain a healthy interest margin because the rates they can charge on loans decrease while the rates they pay on deposits may not fall as quickly. Conversely, when interest rates rise, banks often have the opportunity to increase their interest margin by raising loan rates faster than deposit rates.Understanding the dynamics of interest margin is essential for investors and stakeholders in the banking sector. It provides insights into how well a bank is performing and whether it is likely to be a sound investment. Investors often look for banks with a stable or increasing interest margin, as this can be a sign of effective management and a strong competitive position in the market.In conclusion, the interest margin is a vital indicator of a bank's financial health and operational efficiency. It reflects the bank's ability to generate income from its lending activities while managing its cost of funds. By monitoring trends in interest margin, stakeholders can make informed decisions regarding investments and assess the overall stability of financial institutions. As the financial landscape continues to evolve, understanding metrics like interest margin will remain crucial for anyone involved in banking or finance.

“利息差”这一概念指的是银行或金融机构所产生的利息收入与支付给存款人的利息之间的差额。这个指标对于评估银行贷款活动的盈利能力至关重要。当我们谈论“利息差”时，实际上是在讨论银行如何有效管理其资产和负债，以最大化利润。更高的“利息差”表明银行从贷款中赚取的利息比支付给存款人的利息多，这对其财务健康是一个积极的信号。为了更好地理解“利息差”，让我们考虑一个例子。假设一家银行以5%的利率放贷，并以2%的利率支付给存款人。在这种情况下，“利息差”将为3%。这个差额是重要的，因为它显示了银行在其核心运营中赚取的利润。如果“利息差”缩小，这可能表明银行面临挑战，例如竞争加剧或成本上升，这可能会影响其整体盈利能力。此外，“利息差”可能会受到各种经济因素的波动。例如，在低利率时期，银行可能会发现很难维持健康的“利息差”，因为它们可以收取的贷款利率下降，而支付给存款人的利率可能不会迅速下降。相反，当利率上升时，银行通常有机会通过比存款利率更快地提高贷款利率来增加其“利息差”。理解“利息差”的动态对投资者和银行业相关方至关重要。它提供了有关银行表现如何以及是否可能成为良好投资的见解。投资者通常寻找“利息差”稳定或上升的银行，因为这可能是有效管理和市场强大竞争地位的标志。总之，“利息差”是银行财务健康和运营效率的重要指标。它反映了银行从贷款活动中产生收入的能力，同时管理其资金成本。通过监测“利息差”的趋势，相关方可以做出明智的投资决策，并评估金融机构的整体稳定性。随着金融环境的不断演变，理解像“利息差”这样的指标将继续对任何参与银行或金融的人士至关重要。