policy banks

简明释义

政策银行

英英释义

例句

1.Many small businesses seek loans from policy banks for their expansion plans.

许多小企业寻求来自政策性银行的贷款以支持扩展计划。

2.During economic downturns, policy banks play a crucial role in stabilizing the market.

在经济下滑期间，政策性银行在稳定市场中发挥着关键作用。

3.The government relies heavily on policy banks to fund infrastructure projects.

政府在基础设施项目的融资中高度依赖政策性银行。

4.The policy banks are essential in providing affordable housing loans.

为了提供可负担的住房贷款，政策性银行至关重要。

5.Investments from policy banks can significantly boost renewable energy projects.

来自政策性银行的投资可以显著推动可再生能源项目。

作文

In recent years, the term policy banks has gained significant attention in the financial sector. But what exactly are policy banks? These are specialized financial institutions that are primarily established to support the government's economic policy objectives. Unlike commercial banks, which focus on profit maximization, policy banks aim to facilitate long-term investments in key sectors such as infrastructure, agriculture, and small and medium-sized enterprises (SMEs). This essay will delve into the role of policy banks in economic development, their functions, and their impact on society.Firstly, policy banks play a crucial role in funding projects that may not attract sufficient investment from private entities due to perceived risks or lower returns. For instance, large-scale infrastructure projects often require substantial capital and long repayment periods, making them unattractive for commercial banks. By providing loans at lower interest rates and with more flexible terms, policy banks ensure that essential projects, such as highways, bridges, and public transportation systems, receive the necessary funding. This not only boosts economic growth but also enhances the quality of life for citizens by improving access to services and opportunities.Secondly, policy banks are instrumental in promoting social equity and environmental sustainability. They often prioritize funding for projects that align with government policies aimed at reducing poverty, promoting green energy, and supporting rural development. For example, many policy banks offer financial products specifically designed to assist farmers and agricultural businesses, enabling them to invest in modern equipment and techniques. This not only increases food production but also contributes to rural employment and income generation. Furthermore, by financing renewable energy projects, policy banks help combat climate change and promote sustainable development.Moreover, policy banks can also stabilize the economy during times of financial crisis. During economic downturns, commercial banks may tighten their lending standards, leading to a credit crunch that hampers recovery efforts. In contrast, policy banks can step in to provide much-needed liquidity to the market, ensuring that businesses, especially SMEs, have access to the funds necessary to survive and thrive. This counter-cyclical role is vital for maintaining economic stability and fostering resilience in the face of challenges.However, the effectiveness of policy banks can be influenced by several factors, including governance, accountability, and transparency. If these institutions are not well-managed or lack proper oversight, they may become susceptible to corruption or misallocation of resources. Therefore, it is essential for governments to implement robust regulatory frameworks to ensure that policy banks operate efficiently and in alignment with national priorities.In conclusion, policy banks serve as a vital tool for governments to achieve their economic and social objectives. By providing targeted financing for essential projects, promoting social equity, and stabilizing the economy during crises, policy banks contribute significantly to national development. As the global economy continues to evolve, the role of policy banks will likely become even more critical in addressing emerging challenges and ensuring sustainable growth for future generations.

近年来，术语政策性银行在金融领域引起了广泛关注。但究竟什么是政策性银行呢？这些是专门的金融机构，主要建立的目的是支持政府的经济政策目标。与商业银行不同，商业银行专注于利润最大化，而政策性银行旨在促进基础设施、农业和中小企业（SME）等关键领域的长期投资。本文将探讨政策性银行在经济发展中的作用、它们的功能以及对社会的影响。首先，政策性银行在为可能因风险或回报较低而无法吸引私人投资的项目提供资金方面发挥着至关重要的作用。例如，大规模基础设施项目通常需要大量资本和较长的偿还期限，使其对商业银行不具吸引力。通过以较低的利率和更灵活的条款提供贷款，政策性银行确保重要项目如公路、桥梁和公共交通系统获得必要的资金。这不仅促进了经济增长，还通过改善服务和机会的可及性提高了公民的生活质量。其次，政策性银行在促进社会公平和环境可持续性方面也发挥着重要作用。它们通常优先资助与政府政策相一致的项目，这些政策旨在减少贫困、促进绿色能源和支持农村发展。例如，许多政策性银行提供专门设计的金融产品，以帮助农民和农业企业，使他们能够投资于现代设备和技术。这不仅增加了粮食生产，还为农村就业和收入创造做出了贡献。此外，通过资助可再生能源项目，政策性银行有助于应对气候变化，促进可持续发展。此外，政策性银行还可以在金融危机时期稳定经济。在经济衰退期间，商业银行可能会收紧贷款标准，导致信贷紧缩，阻碍复苏努力。相比之下，政策性银行可以介入，为市场提供急需的流动性，确保企业，特别是中小企业，有资金生存和发展的必要。因此，这种反周期角色对于维护经济稳定和增强面对挑战的韧性至关重要。然而，政策性银行的有效性可能会受到多种因素的影响，包括治理、问责和透明度。如果这些机构管理不善或缺乏适当的监督，可能会导致腐败或资源配置不当。因此，各国政府必须实施稳健的监管框架，以确保政策性银行高效运作，并与国家优先事项保持一致。总之，政策性银行作为政府实现其经济和社会目标的重要工具。通过为基本项目提供有针对性的融资、促进社会公平以及在危机期间稳定经济，政策性银行对国家发展做出了重要贡献。随着全球经济的不断发展，政策性银行的角色在应对新出现的挑战和确保未来几代人可持续增长方面可能变得更加重要。