call money; money at call; day-to-day loan

简明释义

拆放款,拆款

英英释义

例句

1.The bank offered a low interest rate on call money 可随时提取的资金 for businesses needing quick access to funds.

银行为需要快速获取资金的企业提供了低利率的call money 可随时提取的资金。

2.During financial crises, the demand for day-to-day loans 日常贷款 tends to increase significantly.

在金融危机期间，对day-to-day loans 日常贷款 的需求往往显著增加。

3.Investors often use money at call 可随时提取的资金 to manage their liquidity effectively.

投资者常常使用money at call 可随时提取的资金 来有效管理流动性。

4.Banks typically offer higher interest rates for money at call 可随时提取的资金 compared to regular savings accounts.

与普通储蓄账户相比，银行通常为money at call 可随时提取的资金 提供更高的利率。

5.A company may rely on call money 可随时提取的资金 to cover unexpected expenses.

一家公司可能依赖于call money 可随时提取的资金 来应对意外开支。

作文

In the world of finance, liquidity plays a crucial role in ensuring that markets function efficiently. One of the key instruments used by financial institutions to manage their short-term funding needs is known as call money. This term refers to funds that are borrowed or lent for a very short period, typically overnight or for a few days. It is an essential component of the money market, where banks and financial institutions lend to each other to meet their immediate cash requirements. The concept of money at call is similar, as it pertains to funds that can be withdrawn or demanded at any time without prior notice. This flexibility makes it an attractive option for institutions looking to maintain liquidity while optimizing their returns on idle cash. Additionally, day-to-day loan is another term that describes this type of borrowing, emphasizing the short-term nature of these loans, which are often settled on a daily basis.Understanding the mechanics behind call money transactions is vital for anyone interested in financial markets. These transactions occur in the interbank market, where banks with surplus funds lend to those facing shortfalls. The interest rates for money at call can fluctuate based on demand and supply dynamics, and they are often influenced by central bank policies. For instance, if a central bank decides to increase interest rates, the cost of borrowing in the day-to-day loan market may rise, affecting the overall liquidity in the financial system.The importance of call money cannot be overstated, especially during periods of economic uncertainty. Banks rely on this short-term funding to manage their day-to-day operations, ensuring that they have enough liquidity to meet withdrawal demands from customers. Furthermore, effective management of money at call allows banks to optimize their asset-liability ratios, thereby enhancing their overall financial stability.Moreover, the relationship between call money rates and broader economic indicators is significant. For instance, during times of economic growth, the demand for loans increases, potentially leading to higher money at call rates. Conversely, in a recession, the demand for loans may decrease, resulting in lower rates. This interplay highlights the sensitivity of day-to-day loan markets to macroeconomic conditions, making them a barometer for overall economic health.In conclusion, the terms call money, money at call, and day-to-day loan are integral to understanding the dynamics of short-term borrowing in financial markets. As these instruments facilitate liquidity and support banking operations, they also reflect the underlying economic environment. Therefore, both financial professionals and students must grasp these concepts to navigate the complexities of the financial landscape effectively. Knowledge of call money and its associated terms equips individuals with the tools necessary to analyze market trends and make informed financial decisions.

在金融世界中，流动性在确保市场高效运作方面发挥着至关重要的作用。金融机构用来管理其短期融资需求的关键工具之一被称为即期资金。这个术语指的是借入或贷出的资金，通常是过夜或几天的时间。这是货币市场的一个基本组成部分，银行和金融机构相互借贷，以满足其即时的现金需求。随时可用资金的概念类似，因为它涉及到可以随时提取或要求的资金，而无需提前通知。这种灵活性使其成为希望保持流动性同时优化闲置现金回报的机构的一个有吸引力的选择。此外，日常贷款是另一个描述这种类型借款的术语，强调这些贷款的短期性质，通常是在每日基础上结算。理解即期资金交易背后的机制对于任何对金融市场感兴趣的人来说都是至关重要的。这些交易发生在银行间市场，资金富余的银行向面临短缺的银行提供贷款。随时可用资金的利率可能会根据供需动态波动，并且通常受到中央银行政策的影响。例如，如果中央银行决定提高利率，则在日常贷款市场中的借贷成本可能会上升，从而影响金融系统的整体流动性。即期资金的重要性不容小觑，特别是在经济不确定时期。银行依赖于这种短期融资来管理其日常运营，确保它们有足够的流动性来满足客户的提款需求。此外，有效管理随时可用资金使银行能够优化其资产负债比率，从而增强其整体金融稳定性。此外，即期资金利率与更广泛经济指标之间的关系也很重要。例如，在经济增长时期，贷款需求增加，可能导致随时可用资金利率上升。相反，在衰退期间，贷款需求可能会下降，导致利率降低。这种相互关系突显了日常贷款市场对宏观经济条件的敏感性，使其成为整体经济健康状况的晴雨表。总之，即期资金、随时可用资金和日常贷款等术语对于理解金融市场短期借贷的动态至关重要。由于这些工具促进了流动性并支持银行运营，它们还反映了潜在的经济环境。因此，金融专业人士和学生都必须掌握这些概念，以有效地驾驭金融领域的复杂性。对即期资金及其相关术语的了解使个人具备分析市场趋势和做出明智财务决策所需的工具。