capital ratio

简明释义

资本比率

英英释义

例句

1.Investors often look at the capital ratio 资本充足率 when assessing a bank's financial health.

投资者在评估一家银行的财务健康状况时，通常会关注其资本充足率 capital ratio。

2.The bank's capital ratio 资本充足率 has improved significantly over the past year.

这家银行的资本充足率 capital ratio在过去一年中显著改善。

3.Regulators require banks to maintain a minimum capital ratio 资本充足率 to ensure stability.

监管机构要求银行维持最低的资本充足率 capital ratio以确保稳定性。

4.The capital ratio 资本充足率 is calculated by dividing a bank's capital by its risk-weighted assets.

计算资本充足率 capital ratio的方法是将银行的资本除以其风险加权资产。

5.A higher capital ratio 资本充足率 indicates that a bank has more capital to cover potential losses.

更高的资本充足率 capital ratio表明银行有更多资本来弥补潜在损失。

作文

The financial health of a bank or any financial institution can often be assessed through various key metrics. One of the most critical indicators is the capital ratio, which serves as a measure of a bank's capital in relation to its risk-weighted assets. The capital ratio is essential because it reflects the institution's ability to absorb losses while still maintaining the necessary operations and fulfilling its obligations to depositors and creditors. In essence, a higher capital ratio indicates that a bank has a stronger buffer against financial distress, making it less likely to require government bailouts during economic downturns.To understand the importance of the capital ratio, we must first grasp what constitutes a bank's capital. Capital can be viewed as the net worth of the institution, which includes common equity, retained earnings, and other forms of capital that can be used to cover losses. The capital ratio is calculated by dividing this capital by the total risk-weighted assets, which are the assets of the bank adjusted for risk. This means that not all assets are treated equally; for example, loans to individuals might carry more risk than government bonds, thus requiring different capital reserves.Regulatory bodies around the world, such as the Basel Committee on Banking Supervision, have established minimum capital ratio requirements to ensure that banks maintain adequate capital levels. These regulations help promote stability within the financial system and protect depositors' interests. If a bank's capital ratio falls below the required threshold, it may face penalties, including restrictions on growth or even intervention by regulators.The implications of the capital ratio extend beyond just compliance with regulations. Investors and analysts closely monitor this ratio when evaluating a bank's performance and stability. A strong capital ratio can lead to greater investor confidence, potentially resulting in a higher stock price and lower borrowing costs for the bank. Conversely, a weak capital ratio can raise red flags, suggesting that the bank may not be able to withstand economic shocks, which could lead to a loss of customer trust and increased scrutiny from regulators.Moreover, the capital ratio plays a crucial role in the context of economic cycles. During periods of economic growth, banks may feel pressure to lend more, which can lead to a decrease in their capital ratio if not managed properly. On the other hand, during a recession, a bank's capital ratio may improve as the value of risk-weighted assets decreases. Therefore, understanding how to manage and maintain a healthy capital ratio is vital for banks to navigate the complexities of the financial landscape.In conclusion, the capital ratio is a fundamental metric that reflects a bank's financial strength and stability. It serves as a protective measure against potential losses and is a critical factor in maintaining trust among stakeholders. As the financial industry continues to evolve, the significance of the capital ratio will remain paramount, ensuring that banks can withstand challenges and continue to serve their communities effectively.

银行或任何金融机构的财务健康状况通常可以通过各种关键指标进行评估。其中最重要的指标之一是资本比率，它作为银行资本与其风险加权资产之间的衡量标准。资本比率至关重要，因为它反映了机构在吸收损失的同时仍能维持必要的运营并履行对存款人和债权人的义务的能力。实质上，更高的资本比率表明银行在财务困境面前有更强的缓冲，使其在经济衰退期间不太可能需要政府救助。要理解资本比率的重要性，我们必须首先了解银行的资本构成。资本可以视为机构的净资产，包括普通股本、留存收益和其他可以用于覆盖损失的资本形式。资本比率是通过将这些资本除以总风险加权资产来计算的，这些资产是根据风险调整的银行资产。这意味着并不是所有资产都被同等对待；例如，个人贷款可能比政府债券承载更多风险，因此需要不同的资本准备。世界各地的监管机构，如巴塞尔银行监管委员会，已建立最低资本比率要求，以确保银行保持足够的资本水平。这些法规有助于促进金融系统的稳定，并保护存款人的利益。如果银行的资本比率低于规定的阈值，它可能会面临处罚，包括增长限制甚至监管机构的干预。资本比率的影响超出了合规性。投资者和分析师密切关注这一比率，以评估银行的表现和稳定性。强劲的资本比率可以带来更大的投资者信心，可能导致股票价格上涨和银行的借贷成本降低。相反，弱的资本比率可能会引发警报，表明银行可能无法承受经济冲击，这可能导致客户信任度下降和监管机构增加审查。此外，资本比率在经济周期的背景下也发挥着至关重要的作用。在经济增长期间，银行可能感到压力，需要更多放贷，如果管理不当可能导致其资本比率下降。另一方面，在衰退期间，银行的资本比率可能会随着风险加权资产价值的下降而改善。因此，理解如何管理和维持健康的资本比率对于银行在复杂的金融环境中导航至关重要。总之，资本比率是反映银行财务实力和稳定性的基本指标。它作为潜在损失的保护措施，是维护利益相关者信任的关键因素。随着金融行业的不断发展，资本比率的重要性将始终存在，确保银行能够承受挑战并有效地服务于其社区。