large-denomination time deposits

简明释义

大额定期存款

英英释义

例句

1.Many investors prefer to put their money into large-denomination time deposits 大额定期存款 for better interest rates.

许多投资者更喜欢将他们的钱放入大额定期存款 large-denomination time deposits以获得更好的利率。

2.Individuals looking for safe investments often turn to large-denomination time deposits 大额定期存款 offered by reputable banks.

寻找安全投资的个人通常会选择信誉良好的银行提供的大额定期存款 large-denomination time deposits。

3.Banks often require a minimum balance for large-denomination time deposits 大额定期存款 to ensure liquidity.

银行通常要求大额定期存款 large-denomination time deposits保持最低余额以确保流动性。

4.The risk associated with large-denomination time deposits 大额定期存款 is generally lower compared to stocks.

与股票相比，大额定期存款 large-denomination time deposits的风险通常较低。

5.The interest earned on large-denomination time deposits 大额定期存款 can be significantly higher than regular savings accounts.

在大额定期存款 large-denomination time deposits上赚取的利息通常比普通储蓄账户高得多。

作文

In the world of finance, various instruments are utilized to manage and grow one's wealth. One such instrument that plays a crucial role in personal and institutional banking is the large-denomination time deposits. These deposits refer to fixed-term deposits that typically require a minimum investment amount, often exceeding $100,000. They are commonly offered by banks and financial institutions as a way to attract larger sums of money from clients who are looking for secure investment options with higher interest rates than traditional savings accounts.The appeal of large-denomination time deposits lies in their ability to provide a guaranteed return over a specified period. Investors can choose terms that range from a few months to several years, depending on their financial goals and liquidity needs. During this term, the principal amount remains untouched, and the investor earns interest at a predetermined rate. This makes them an attractive option for those who have substantial funds that they do not need to access immediately.One of the key advantages of large-denomination time deposits is the higher interest rates they offer compared to regular savings accounts. Banks are willing to pay more for these deposits because they are able to use the funds for longer periods without the risk of withdrawal. As a result, investors can earn a more favorable return on their investments, which can significantly enhance their overall financial portfolio.However, it is important to note that large-denomination time deposits come with certain limitations. The most prominent is the lack of liquidity. Once an investor commits their funds to a time deposit, they cannot access that money until the term expires without incurring penalties. This means that if an unexpected financial need arises, the investor may find themselves in a difficult situation where they cannot access their funds without suffering a loss.Additionally, while large-denomination time deposits are generally considered low-risk investments, they are not entirely free from risk. Factors such as inflation can erode the purchasing power of the returns earned. If the rate of inflation exceeds the interest rate on the deposit, the real value of the money could decline over time. Therefore, it is essential for investors to consider the economic environment and potential changes in interest rates before committing to such deposits.Another consideration is the insurance coverage provided for large-denomination time deposits. In many countries, deposits are insured up to a certain limit by government-backed entities, such as the Federal Deposit Insurance Corporation (FDIC) in the United States. However, amounts exceeding this limit may not be insured, which introduces a level of risk for investors with very large deposits.In conclusion, large-denomination time deposits can be an excellent option for individuals and institutions looking to safely invest substantial amounts of money while earning a competitive return. They offer predictable earnings and security, making them a favored choice among conservative investors. However, potential investors must weigh the benefits against the limitations and risks associated with these financial instruments. By understanding the dynamics of large-denomination time deposits, investors can make informed decisions that align with their financial goals and risk tolerance.

在金融世界中，各种工具被用来管理和增加财富。其中一个在个人和机构银行业务中发挥关键作用的工具是大额定期存款。这些存款指的是固定期限的存款，通常需要最低投资金额，通常超过100,000美元。它们通常由银行和金融机构提供，作为吸引客户大笔资金的一种方式，这些客户希望获得比传统储蓄账户更高的安全投资选项。大额定期存款的吸引力在于它们能够在指定期限内提供保证回报。投资者可以根据自己的财务目标和流动性需求选择几个月到数年的期限。在此期间，本金保持不变，投资者按预定利率获得利息。这使得它们成为那些拥有大量资金且不需要立即访问这些资金的人的一种有吸引力的选择。大额定期存款的一个主要优点是它们提供的利率通常高于普通储蓄账户。银行愿意为这些存款支付更多，因为它们能够在没有取款风险的情况下使用这些资金更长时间。因此，投资者可以在其投资上获得更有利的回报，这可以显著增强他们的整体财务组合。然而，重要的是要注意，大额定期存款确实存在某些限制。最明显的限制是流动性不足。一旦投资者将资金承诺于定期存款，他们便无法在期限到期之前访问这笔钱，除非承担罚款。这意味着，如果出现意外的财务需求，投资者可能会发现自己处于一个困难的境地，无法在不遭受损失的情况下访问他们的资金。此外，虽然大额定期存款通常被认为是低风险投资，但它们并不是完全没有风险。通货膨胀等因素可能侵蚀所赚取回报的购买力。如果通货膨胀率超过存款利率，则所赚取资金的实际价值可能随时间下降。因此，投资者在承诺此类存款之前，考虑经济环境和利率可能的变化是至关重要的。另一个考虑因素是对大额定期存款提供的保险覆盖。在许多国家，存款由政府支持的实体（如美国的联邦存款保险公司FDIC）保险，保险上限为一定金额。然而，超过此限额的金额可能不被保险，这对拥有非常大存款的投资者引入了一定程度的风险。总之，大额定期存款对于希望安全投资大量资金并赚取竞争性回报的个人和机构来说，可以是一个极好的选择。它们提供可预测的收益和安全性，使其成为保守投资者的首选。然而，潜在投资者必须权衡与这些金融工具相关的好处、限制和风险。通过理解大额定期存款的动态，投资者可以做出符合其财务目标和风险承受能力的明智决策。