deposit-loan ratio; loan-deposit ratio

简明释义

存贷比率,存放款比率

英英释义

例句

1.Investors often look at the loan-deposit ratio 贷款存款比率 to assess the risk profile of a bank.

投资者通常查看贷款存款比率 贷款存款比率 来评估银行的风险特征。

2.The bank's loan-deposit ratio 贷款存款比率 indicates its ability to lend money while maintaining sufficient deposits.

该银行的贷款存款比率 贷款存款比率 表明其在保持足够存款的同时借出资金的能力。

3.A high deposit-loan ratio 存款贷款比率 suggests that the bank is more conservative in its lending practices.

高存款贷款比率 存款贷款比率 表明该银行在放贷方面更加保守。

4.When the deposit-loan ratio 存款贷款比率 is low, it may indicate that the bank has excess liquidity.

当存款贷款比率 存款贷款比率 较低时，可能表明该银行有过剩的流动性。

5.Regulators monitor the loan-deposit ratio 贷款存款比率 to ensure banks remain solvent.

监管机构监控贷款存款比率 贷款存款比率 以确保银行保持偿付能力。

作文

The financial health of a banking institution can often be assessed through various ratios, one of the most significant being the deposit-loan ratio; loan-deposit ratio. This financial metric is crucial for understanding how banks manage their deposits and loans, which are fundamental to their operations. The deposit-loan ratio; loan-deposit ratio indicates the relationship between the total amount of deposits held by a bank and the total amount of loans it has issued. A high deposit-loan ratio; loan-deposit ratio suggests that a bank is effectively utilizing its deposits to issue loans, which can lead to greater profitability. Conversely, a low ratio may indicate that the bank is not lending enough of its deposits, potentially missing out on revenue opportunities.Understanding the deposit-loan ratio; loan-deposit ratio is essential for both banking professionals and customers. For banks, maintaining an optimal ratio is vital for ensuring liquidity and managing risk. A well-managed deposit-loan ratio; loan-deposit ratio allows banks to meet withdrawal demands from depositors while also providing loans to borrowers. If a bank has too many loans compared to its deposits, it may face liquidity issues, leading to financial instability.For customers, the deposit-loan ratio; loan-deposit ratio can provide insight into the bank's operational efficiency. When choosing a bank for savings or loans, customers might consider the bank's deposit-loan ratio; loan-deposit ratio as an indicator of its ability to lend responsibly and manage deposits effectively. A bank with a balanced ratio is likely to be more reliable and stable, which is crucial for customers looking to safeguard their money.Moreover, the deposit-loan ratio; loan-deposit ratio can vary significantly among different banks and financial institutions. Factors such as the bank's size, market strategy, and economic conditions can influence this ratio. For instance, larger banks may have a more diversified portfolio of loans and deposits, leading to a different deposit-loan ratio; loan-deposit ratio compared to smaller community banks. Additionally, during economic downturns, banks may tighten their lending standards, which can affect their deposit-loan ratio; loan-deposit ratio as deposits may grow faster than loans.Regulatory bodies also monitor the deposit-loan ratio; loan-deposit ratio as part of their oversight responsibilities. By analyzing this ratio, regulators can assess the overall stability of the banking system and identify potential risks. A sudden shift in the deposit-loan ratio; loan-deposit ratio across multiple banks could signal underlying economic issues that need to be addressed.In conclusion, the deposit-loan ratio; loan-deposit ratio is a vital indicator of a bank's financial health and operational efficiency. Both banking professionals and customers should pay close attention to this ratio. For banks, maintaining a balanced deposit-loan ratio; loan-deposit ratio is crucial for managing liquidity and ensuring profitability. For customers, understanding this ratio can help them make informed decisions about where to deposit their money or take out loans. As the financial landscape continues to evolve, the importance of the deposit-loan ratio; loan-deposit ratio will remain a key focus for all stakeholders in the banking sector.

银行机构的财务健康状况通常可以通过各种比率进行评估，其中最重要的之一就是存款-贷款比率；贷款-存款比率。这一财务指标对于理解银行如何管理其存款和贷款至关重要，而这些都是其运营的基础。存款-贷款比率；贷款-存款比率表示银行所持有的总存款与其发放的总贷款之间的关系。较高的存款-贷款比率；贷款-存款比率表明银行有效利用其存款来发放贷款，这可能导致更大的盈利能力。相反，较低的比率可能表明银行没有充分放贷其存款，可能错失收入机会。理解存款-贷款比率；贷款-存款比率对银行专业人士和客户来说都是至关重要的。对于银行而言，维持最佳比率对于确保流动性和管理风险至关重要。良好管理的存款-贷款比率；贷款-存款比率使银行能够满足存款人的提款需求，同时向借款人提供贷款。如果一家银行的贷款相对于其存款过多，可能会面临流动性问题，导致财务不稳定。对于客户来说，存款-贷款比率；贷款-存款比率可以提供对银行运营效率的洞察。在选择存款或贷款的银行时，客户可能会考虑银行的存款-贷款比率；贷款-存款比率作为其负责任放贷和有效管理存款的能力的指标。拥有平衡比率的银行可能更加可靠和稳定，这对希望保护自己资金的客户至关重要。此外，不同银行和金融机构之间的存款-贷款比率；贷款-存款比率可能会有显著差异。银行的规模、市场策略和经济条件等因素都可能影响这一比率。例如，大型银行可能拥有更为多样化的贷款和存款组合，从而导致与小型社区银行相比，其存款-贷款比率；贷款-存款比率不同。此外，在经济衰退期间，银行可能会收紧贷款标准，这可能影响其存款-贷款比率；贷款-存款比率，因为存款可能增长得比贷款快。监管机构也会监测存款-贷款比率；贷款-存款比率，作为其监督职责的一部分。通过分析这一比率，监管者可以评估银行系统的整体稳定性并识别潜在风险。多个银行的存款-贷款比率；贷款-存款比率的突然变化可能会暗示需要解决的潜在经济问题。总之，存款-贷款比率；贷款-存款比率是衡量银行财务健康和运营效率的重要指标。银行专业人士和客户都应密切关注这一比率。对于银行而言，维持平衡的存款-贷款比率；贷款-存款比率对于管理流动性和确保盈利能力至关重要。对于客户而言，理解这一比率可以帮助他们做出关于存款或贷款选择的明智决策。随着金融环境的不断演变，存款-贷款比率；贷款-存款比率的重要性将继续成为银行业所有利益相关者关注的重点。