borrowing demand

简明释义

借款需求

英英释义

例句

1.Financial analysts predict that borrowing demand 借款需求 will remain strong as inflation rises.

金融分析师预测，由于通货膨胀上升，借款需求将保持强劲。

2.During the economic downturn, borrowing demand 借款需求 often rises as businesses seek additional funds.

在经济衰退期间，企业往往会寻求额外资金，因此借款需求通常会上升。

3.The bank reported an increase in borrowing demand 借款需求 due to lower interest rates.

由于利率降低，银行报告了借款需求的增加。

4.The government’s stimulus package has significantly boosted borrowing demand 借款需求 in the housing market.

政府的刺激计划显著提升了住房市场的借款需求。

5.A survey indicated that consumer borrowing demand 借款需求 is expected to grow in the next quarter.

一项调查显示，消费者的借款需求预计将在下个季度增长。

作文

In today's rapidly changing economy, understanding the concept of borrowing demand is crucial for both individuals and businesses. Borrowing demand refers to the desire or need for individuals or organizations to take out loans or credit to finance various activities such as purchasing homes, investing in business operations, or covering personal expenses. This demand is influenced by several factors including interest rates, economic conditions, and consumer confidence.When interest rates are low, the borrowing demand tends to increase. Low rates make it cheaper for borrowers to take on debt, whether for buying a house or expanding a business. For instance, during times of economic stimulus, central banks often lower interest rates to encourage spending and investment. This leads to a surge in borrowing demand, as consumers feel more confident about their financial situations and are willing to take on loans.On the other hand, when interest rates rise, borrowing demand typically decreases. Higher rates make loans more expensive, which can deter individuals and businesses from seeking credit. For example, if a small business owner faces high interest rates, they may postpone plans to expand or invest in new equipment, leading to a slowdown in economic growth. Thus, monitoring interest rate trends is essential for understanding shifts in borrowing demand.Economic conditions also play a significant role in shaping borrowing demand. During periods of economic uncertainty, such as recessions, consumers and businesses often become more cautious about taking on debt. The fear of job loss or declining sales can lead to a decrease in borrowing demand. Conversely, in a booming economy, where employment rates are high and wages are increasing, people are more likely to borrow money to invest in homes or start new ventures.Furthermore, consumer confidence is a key driver of borrowing demand. When individuals feel secure in their financial situation, they are more inclined to take on debt. Surveys that measure consumer sentiment can provide insights into future borrowing demand. For instance, if a survey indicates that consumers feel optimistic about their financial futures, it is likely that borrowing demand will rise as people are more willing to make significant purchases or investments.In conclusion, borrowing demand is a vital aspect of the economic landscape that reflects the willingness of individuals and businesses to take on debt. It is influenced by a variety of factors including interest rates, economic conditions, and consumer confidence. Understanding these elements can help policymakers, financial institutions, and consumers make informed decisions regarding borrowing and lending practices. As we navigate through the complexities of the economy, keeping an eye on borrowing demand will be essential for fostering growth and stability in the financial system.

在当今快速变化的经济中，理解“借贷需求”这一概念对个人和企业来说至关重要。“借贷需求”是指个人或组织希望或需要借款或信用以资助各种活动，例如购买房屋、投资商业运营或支付个人开支。这种需求受到多个因素的影响，包括利率、经济状况和消费者信心。当利率较低时，“借贷需求”往往会增加。低利率使得借款人承担债务的成本更低，无论是购买房屋还是扩展业务。例如，在经济刺激时期，中央银行通常会降低利率以鼓励消费和投资。这导致“借贷需求”激增，因为消费者对自己的财务状况感到更加自信，并愿意借款。另一方面，当利率上升时，“借贷需求”通常会减少。较高的利率使得贷款变得更加昂贵，这可能会阻止个人和企业寻求信用。例如，如果一家小企业主面临高利率，他们可能会推迟扩张或投资新设备的计划，从而导致经济增长放缓。因此，监测利率趋势对于理解“借贷需求”的变化至关重要。经济状况也在塑造“借贷需求”方面发挥着重要作用。在经济不确定时期，例如衰退，消费者和企业往往会对承担债务变得更加谨慎。失业或销售下降的恐惧可能导致“借贷需求”的减少。相反，在经济繁荣时期，失业率较低，工资上涨，人们更有可能借钱投资于住房或启动新项目。此外，消费者信心是“借贷需求”的关键驱动因素。当个人对自己的财务状况感到安全时，他们更倾向于承担债务。衡量消费者情绪的调查可以提供关于未来“借贷需求”的见解。例如，如果一项调查表明消费者对自己的财务未来感到乐观，那么“借贷需求”可能会上升，因为人们更愿意进行重大购买或投资。总之，“借贷需求”是经济格局中的一个重要方面，它反映了个人和企业承担债务的意愿。它受多种因素的影响，包括利率、经济状况和消费者信心。理解这些要素可以帮助政策制定者、金融机构和消费者在借贷实践中做出明智的决策。在我们应对经济复杂性的过程中，关注“借贷需求”将对促进金融系统的增长和稳定至关重要。