nonbank

简明释义

英[ˌnɒnˈbæŋk]美[ˈnɑːnˌbæŋk]

adj. 非银行的；不由银行办理的，与银行无关的

英英释义

单词用法

同义词

反义词

例句

1.Mr Liu estimated that growth of outstanding broad credit, including nonbank lending, dropped to 15.7 per cent last month, the slowest pace in 11 months and down from 16.3 per cent growth in December.

刘畅估计，包括非银行放贷在内的未偿广义信贷总额的增速上月降至15.7%，这是11个月以来最慢增速，低于12月的16.3%。

2.Under the law, the Fed has the authority to lend to any nonbank, but only if the loan is "secured to the satisfaction of the Federal Reserve bank."

按照法律规定，美联储有权力为任何一家非银行机构贷款，但是只有在贷款的“安全性令美联储感到满意”的情况下才可以这么做。

3.It would likely require at least periodic surveillance and information-gathering from a wide range of nonbank institutions.

至少应该做到定期监督检查和广泛收集非银行机构的信息。

4.Mr Liu estimated that growth of outstanding broad credit, including nonbank lending, dropped to 15.7 per cent last month, the slowest pace in 11 months and down from 16.3 per cent growth in December.

刘畅估计，包括非银行放贷在内的未偿广义信贷总额的增速上月降至15.7%，这是11个月以来最慢增速，低于12月的16.3%。

5.He told a congressional panel stronger regulations are needed for major players like hedge funds and nonbank financial institutions like insurance giant AIG.

他认为市场的主要参与者如对冲基金和像aig等保险巨头这样的非银行机构需要国会专业小组对其进行更强有力的管理。

6.Mr Anderson warns of a situation in which "isolated seizures among nonbank financials start to paralyse parts of the banking system as well."

安德森警告称，可能发生的情况是，“非银行金融机构的孤立挤兑开始让银行业体系的某些部分也陷入瘫痪。”

7.As I have suggested on other occasions, the Congress may wish to consider whether such a framework should be set up for a defined set of nonbank institutions.3.

正如我在其他场合提出的，国会可能希望考虑是否应该为非银行机构制定一套明确的规定。

8.The specific liabilities of Banks, insurance companies and nonbank financial institutions, if any, shall be grouped and itemized according to their specific nature.

银行、保险公司和非银行金融机构的各项负债有特殊性的，按照其性质分类分项列示。

9.A wide variety of nonbank institutions have taken on the risk.

各种各样的非银行机构都已经承担起风险。

10.Banks create WMPs in partnership with nonbank institutions like trusts, securities companies, and fund management companies.

银行与信托、证券公司以及基金管理公司等非银行机构合作发行理财产品。

11.Some nonbank 非银行 payment providers offer faster transactions than traditional banks.

一些非银行支付提供商的交易速度比传统银行更快。

12.The rise of nonbank 非银行 financial institutions has changed the lending landscape.

非银行金融机构的崛起改变了借贷格局。

13.Investors are increasingly looking at nonbank 非银行 options for higher returns.

投资者越来越多地考虑非银行选项以获得更高的回报。

14.Many consumers are turning to nonbank 非银行 lenders for personal loans.

许多消费者开始选择<施>非银行贷款机构来申请个人贷款。

15.The nonbank 非银行 sector is becoming more regulated to ensure consumer protection.

非银行部门正变得更加受监管，以确保消费者保护。

作文

In recent years, the financial landscape has undergone significant changes, leading to the rise of various financial institutions that operate outside the traditional banking system. One such term that has gained prominence in this context is nonbank, which refers to financial entities that provide services similar to those of banks but do not hold a banking license. These nonbank institutions include credit unions, mortgage companies, and payment processors, among others. Understanding the role and impact of nonbank institutions is crucial for both consumers and policymakers alike.The primary function of nonbank institutions is to offer financial services to individuals and businesses without being classified as banks. This distinction allows them to operate under different regulatory frameworks, often resulting in more flexible offerings. For example, nonbank lenders can provide loans with fewer restrictions compared to traditional banks, making them an attractive option for borrowers who may not meet the stringent criteria set by banks. This flexibility can lead to increased access to credit, especially for underserved populations.However, the rise of nonbank institutions also raises concerns regarding consumer protection and financial stability. Because these entities are not subject to the same regulations as banks, there is a risk that they may engage in predatory lending practices or provide inadequate disclosures to consumers. This lack of oversight can lead to situations where borrowers find themselves trapped in cycles of debt, ultimately harming their financial well-being.Additionally, the growth of nonbank institutions can have implications for the overall economy. During times of economic downturn, nonbank lenders may tighten their lending standards, which can exacerbate credit shortages. Conversely, in a booming economy, these institutions might contribute to excessive lending, potentially fueling asset bubbles. Thus, while nonbank institutions can enhance financial inclusion, they also pose challenges that must be carefully managed.Moreover, technological advancements have played a significant role in the evolution of nonbank financial services. The rise of fintech companies has transformed how consumers access financial products, allowing for greater convenience and efficiency. These nonbank entities leverage technology to streamline processes, reduce costs, and improve customer experiences. As a result, many consumers now prefer the services offered by nonbank institutions over traditional banks, leading to a shift in consumer behavior.In conclusion, the term nonbank represents a growing segment of the financial industry that provides essential services outside the traditional banking framework. While nonbank institutions can enhance access to credit and foster innovation, it is essential to address the regulatory challenges they present. Striking a balance between encouraging the growth of nonbank services and ensuring consumer protection will be vital for maintaining a stable and inclusive financial system. As the financial landscape continues to evolve, understanding the role of nonbank institutions will be increasingly important for navigating the complexities of modern finance.

近年来，金融格局发生了重大变化，导致各种金融机构的崛起，这些机构在传统银行体系之外运作。其中一个在这一背景下获得关注的术语是nonbank，它指的是提供与银行类似的服务但不持有银行执照的金融实体。这些nonbank机构包括信用合作社、抵押贷款公司和支付处理公司等。理解nonbank机构的角色和影响对消费者和政策制定者来说都是至关重要的。nonbank机构的主要功能是向个人和企业提供金融服务，而不被归类为银行。这一区别使得它们能够在不同的监管框架下运作，往往导致更灵活的产品。例如，nonbank贷款人可以提供更少限制的贷款，使其成为那些可能不符合银行严格标准的借款人的吸引选项。这种灵活性可以增加信贷的可获得性，特别是对于服务不足的人群。然而，nonbank机构的崛起也引发了关于消费者保护和金融稳定的担忧。由于这些实体不受与银行相同的监管，因此存在它们可能采取掠夺性贷款行为或向消费者提供不充分披露的风险。这种缺乏监督可能导致借款人陷入债务循环，最终损害他们的财务健康。此外，nonbank机构的增长可能对整体经济产生影响。在经济低迷时期，nonbank贷款人可能会收紧贷款标准，这可能加剧信贷短缺。相反，在经济繁荣时期，这些机构可能会助长过度放贷，从而可能推动资产泡沫。因此，尽管nonbank机构可以增强金融包容性，但它们也带来了必须谨慎管理的挑战。此外，技术进步在nonbank金融服务的演变中发挥了重要作用。金融科技公司的崛起改变了消费者获取金融产品的方式，使便利性和效率大幅提高。这些nonbank实体利用技术来简化流程、降低成本并改善客户体验。因此，许多消费者现在更倾向于选择nonbank机构提供的服务，而不是传统银行，这导致消费者行为的转变。总之，nonbank这一术语代表了金融行业中一个不断增长的细分市场，它在传统银行框架之外提供必要的服务。虽然nonbank机构可以增强信贷的可获得性并促进创新，但解决它们所带来的监管挑战至关重要。在鼓励nonbank服务增长和确保消费者保护之间取得平衡，对于维持稳定和包容的金融系统至关重要。随着金融格局的不断演变，理解nonbank机构的角色将变得愈加重要，以便应对现代金融的复杂性。