financial intermediation

简明释义

金融中介现象

英英释义

例句

1.The process of financial intermediation helps allocate resources efficiently in the economy.

在经济中，金融中介的过程有助于有效分配资源。

2.Investment firms engage in financial intermediation by pooling funds from multiple investors.

投资公司通过汇集多个投资者的资金进行金融中介。

3.Banks play a crucial role in financial intermediation by connecting savers and borrowers.

银行在金融中介中发挥着重要作用，连接储蓄者和借款者。

4.During a recession, financial intermediation may slow down due to decreased lending activity.

在经济衰退期间，由于贷款活动减少，金融中介可能会放缓。

5.Microfinance institutions provide financial intermediation services to low-income individuals.

小额信贷机构为低收入个人提供金融中介服务。

作文

In the modern economy, the concept of financial intermediation plays a crucial role in facilitating the flow of funds between savers and borrowers. Essentially, financial intermediation refers to the process by which financial institutions, such as banks, credit unions, and investment firms, act as intermediaries between those who have surplus funds and those who require funds for various purposes. This mechanism is vital for the efficient functioning of the economy, as it helps allocate resources where they are most needed. One of the primary functions of financial intermediation is to reduce the risks associated with lending and borrowing. By pooling the savings of many individuals, financial intermediaries can diversify their investments across different sectors and borrowers. This diversification minimizes the impact of any single borrower defaulting on a loan, thereby providing a safety net for both savers and investors. For instance, when a bank collects deposits from customers, it does not lend out the exact amount deposited but rather uses a portion of these funds to provide loans to various borrowers. This way, the bank can manage risk effectively while also earning interest from the loans it provides.Moreover, financial intermediation enhances the efficiency of capital allocation in the economy. Financial intermediaries are equipped with the expertise to assess the creditworthiness of potential borrowers. They conduct thorough evaluations of an individual's or a company's financial health before approving loans. This process ensures that funds are directed towards projects and ventures with the highest potential for returns, contributing to economic growth and development. For example, a bank may choose to lend to a startup with a promising business model rather than to a less viable project, thus fostering innovation and entrepreneurship.Additionally, financial intermediation facilitates liquidity in the financial system. Liquidity refers to how easily assets can be converted into cash without significantly affecting their price. Financial intermediaries provide liquidity by offering various financial products, such as savings accounts, certificates of deposit, and money market accounts. These products allow individuals to access their funds quickly while still earning interest on their savings. This liquidity is essential for consumers and businesses alike, as it enables them to respond to unexpected expenses or investment opportunities promptly.Furthermore, financial intermediation contributes to the stability of the financial system. By acting as a buffer between savers and borrowers, financial intermediaries help mitigate the effects of economic fluctuations. During times of economic uncertainty, for instance, banks can adjust their lending practices to ensure they maintain sufficient capital reserves. This adaptability helps prevent financial crises and promotes overall economic stability.In conclusion, financial intermediation is a fundamental component of the financial system, serving as a bridge between savers and borrowers. It reduces risk, enhances capital allocation, provides liquidity, and contributes to financial stability. Understanding the importance of financial intermediation allows individuals to appreciate the critical role that financial institutions play in the economy, ultimately fostering a more robust and resilient financial landscape. As we continue to navigate the complexities of the global economy, the significance of financial intermediation will only grow, highlighting the need for effective regulation and oversight to ensure its continued effectiveness.

在现代经济中，金融中介的概念在促进储蓄者和借款者之间资金流动方面起着至关重要的作用。基本上，金融中介是指金融机构（如银行、信用合作社和投资公司）在拥有多余资金的人与需要资金用于各种目的的人之间充当中介的过程。这一机制对经济的有效运作至关重要，因为它有助于将资源分配到最需要的地方。金融中介的主要功能之一是降低借贷相关的风险。通过汇集许多个人的储蓄，金融中介可以将其投资分散到不同的行业和借款人身上。这种多样化减少了任何单一借款人违约对整体影响，从而为储户和投资者提供了安全保障。例如，当一家银行收集客户的存款时，它并不会将存入的确切金额贷出，而是使用这些资金的一部分向不同的借款人提供贷款。通过这种方式，银行能够有效管理风险，同时也从其提供的贷款中赚取利息。此外，金融中介提高了经济中资本配置的效率。金融中介具备评估潜在借款人信用worthiness的专业知识。在批准贷款之前，他们会对个人或公司的财务状况进行彻底评估。这个过程确保资金被导向回报潜力最高的项目和企业，从而促进经济增长和发展。例如，一家银行可能选择向一个有前景的商业模式的初创公司提供贷款，而不是向一个可行性较低的项目放贷，从而推动创新和创业。此外，金融中介还促进了金融系统的流动性。流动性是指资产在不显著影响其价格的情况下转变为现金的容易程度。金融中介通过提供各种金融产品（如储蓄账户、定期存款和货币市场账户）来提供流动性。这些产品使个人能够迅速获取资金，同时仍能从储蓄中获得利息。这种流动性对消费者和企业都至关重要，因为它使他们能够及时应对意外支出或投资机会。此外，金融中介有助于金融系统的稳定。通过充当储户和借款人之间的缓冲，金融中介帮助减轻经济波动的影响。例如，在经济不确定时期，银行可以调整其贷款实践，以确保保持足够的资本储备。这种适应能力有助于防止金融危机，并促进整体经济稳定。总之，金融中介是金融系统的基本组成部分，充当储户和借款人之间的桥梁。它降低风险，提高资本配置，提供流动性，并有助于金融稳定。理解金融中介的重要性使个人能够欣赏金融机构在经济中所发挥的关键作用，最终促进更强大和更具韧性的金融格局。随着我们继续应对全球经济的复杂性，金融中介的重要性只会增加，这突显了有效监管和监督以确保其持续有效性的必要性。