deposit runoff

简明释义

存款挤兑

英英释义

例句

1.To mitigate deposit runoff 存款流失, banks may offer promotional interest rates to retain customers.

为了减轻存款流失，银行可能会提供促销利率以留住客户。

2.The CEO addressed the issue of deposit runoff 存款流失 during the quarterly earnings call.

首席执行官在季度财报电话会议上讨论了存款流失的问题。

3.The bank reported a significant increase in deposit runoff 存款流失 due to the rising interest rates.

由于利率上升，银行报告了显著增加的存款流失。

4.During economic downturns, financial institutions often experience higher levels of deposit runoff 存款流失 as customers withdraw funds.

在经济衰退期间，金融机构通常会经历更高水平的存款流失，因为客户提取资金。

5.Investors are concerned about the potential for deposit runoff 存款流失 if the market continues to decline.

如果市场继续下跌，投资者对可能出现的存款流失感到担忧。

作文

In the world of finance, understanding various terms and concepts is crucial for making informed decisions. One such term that has gained importance in recent years is deposit runoff. This phrase refers to the gradual decrease in the amount of deposits held by a financial institution over time. It can occur due to various factors, including customers withdrawing their funds, changes in interest rates, or shifts in consumer behavior. Understanding deposit runoff is essential for banks and financial institutions as it directly impacts their liquidity and ability to lend money.When customers decide to withdraw their deposits from a bank, it can lead to a situation known as deposit runoff. This can happen for several reasons. For instance, if a bank lowers its interest rates, customers may choose to move their money to another institution offering better returns. Additionally, economic uncertainties or personal financial needs may prompt individuals to withdraw their savings, leading to a decline in the bank's deposit base.The implications of deposit runoff can be significant. Banks rely on deposits to fund loans and other investments. A sudden drop in deposits can create liquidity challenges, forcing banks to seek alternative funding sources or adjust their lending practices. This can lead to tighter credit conditions in the economy, affecting businesses and consumers alike. Therefore, monitoring deposit levels and understanding the factors contributing to deposit runoff is vital for maintaining a stable financial environment.Moreover, deposit runoff can also be influenced by broader economic trends. For instance, during periods of economic growth, consumers may feel more confident about their financial situations and may be less likely to withdraw their deposits. Conversely, during economic downturns, fear and uncertainty can drive people to withdraw their savings, exacerbating the issue of deposit runoff. Financial institutions must be proactive in managing their deposit bases, especially during turbulent times.To mitigate the risks associated with deposit runoff, banks often implement strategies to retain their customers' deposits. This can include offering competitive interest rates, enhancing customer service, and providing innovative financial products that meet the changing needs of consumers. By focusing on customer retention, banks can reduce the likelihood of experiencing significant deposit runoff.In conclusion, deposit runoff is a critical concept in the banking sector that reflects the dynamics of customer behavior and economic conditions. Understanding this term helps financial institutions navigate the complexities of liquidity management and maintain stability in their operations. As the financial landscape continues to evolve, being aware of the factors influencing deposit runoff will remain essential for both banks and their customers. By fostering strong relationships and adapting to changing market conditions, financial institutions can better manage their deposits and ensure long-term success in a competitive environment.

在金融世界中，理解各种术语和概念对于做出明智的决策至关重要。其中一个近年来日益重要的术语是存款流失。这个短语指的是金融机构持有的存款金额随着时间的推移逐渐减少。它可能由于多种因素而发生，包括客户提取资金、利率变化或消费者行为的转变。理解存款流失对银行和金融机构至关重要，因为它直接影响到他们的流动性和借贷能力。当客户决定从银行提取存款时，就会出现一种称为存款流失的情况。这可能发生出于几个原因。例如，如果一家银行降低了利率，客户可能会选择将他们的钱转移到提供更好回报的其他机构。此外，经济不确定性或个人财务需求可能促使个人提取储蓄，从而导致银行的存款基础下降。存款流失的影响可能是显著的。银行依赖存款来资助贷款和其他投资。存款的突然下降可能会造成流动性挑战，迫使银行寻求替代融资来源或调整其放贷实践。这可能导致经济中的信贷条件收紧，影响企业和消费者。因此，监测存款水平并理解导致存款流失的因素对于维持稳定的金融环境至关重要。此外，存款流失还可能受到更广泛经济趋势的影响。例如，在经济增长期间，消费者可能对自己的财务状况感到更加自信，因此不太可能提取存款。相反，在经济衰退期间，恐惧和不确定性可能驱使人们提取储蓄，加剧存款流失的问题。金融机构必须积极管理其存款基础，特别是在动荡时期。为了减轻与存款流失相关的风险，银行通常会实施留住客户存款的策略。这可能包括提供有竞争力的利率、增强客户服务以及提供满足消费者不断变化需求的创新金融产品。通过专注于客户留存，银行可以减少经历重大存款流失的可能性。总之，存款流失是银行部门中的一个关键概念，反映了客户行为和经济条件的动态。理解这个术语帮助金融机构应对流动性管理的复杂性，并在其运营中保持稳定。随着金融环境的不断演变，了解影响存款流失的因素将继续对银行及其客户至关重要。通过建立良好的关系并适应不断变化的市场条件，金融机构可以更好地管理其存款，并确保在竞争环境中的长期成功。