depository financial intermediary

简明释义

存款金融机构

英英释义

例句

1.A bank acts as a depository financial intermediary 存款金融中介 by holding customers' deposits and providing loans.

一家银行作为一个depository financial intermediary 存款金融中介，持有客户的存款并提供贷款。

2.Investment firms often serve as depository financial intermediaries 存款金融中介, managing clients' assets and securities.

投资公司通常作为depository financial intermediaries 存款金融中介，管理客户的资产和证券。

3.In many countries, the central bank functions as a depository financial intermediary 存款金融中介 for commercial banks.

在许多国家，中央银行作为商业银行的depository financial intermediary 存款金融中介。

4.Online payment platforms can also act as depository financial intermediaries 存款金融中介 by holding user funds securely.

在线支付平台也可以作为depository financial intermediaries 存款金融中介，安全地持有用户资金。

5.Credit unions are another type of depository financial intermediary 存款金融中介 that offer savings accounts and loans to their members.

信用合作社是另一种类型的depository financial intermediary 存款金融中介，为其成员提供储蓄账户和贷款。

作文

In the world of finance, various institutions play crucial roles in facilitating transactions and managing funds. One such entity is a depository financial intermediary, which serves as a vital link between savers and borrowers. Understanding the functions and importance of a depository financial intermediary can provide insights into how our financial system operates. A depository financial intermediary is an institution that accepts deposits from individuals or businesses and uses those funds to make loans or investments. Common examples of these intermediaries include banks and credit unions. They not only provide a safe place for people to store their money but also help stimulate economic growth by lending to those in need. The primary function of a depository financial intermediary is to pool resources from multiple depositors and allocate them efficiently. When individuals deposit their money, they typically expect to earn interest while maintaining access to their funds. The depository financial intermediary uses these deposits to offer loans to other customers, charging interest on those loans. This process creates a cycle of borrowing and lending that is essential for economic activity. Moreover, depository financial intermediaries play a significant role in risk management. By pooling funds from various sources, they can diversify their investments and reduce the risk associated with lending. For example, if a bank lends money to multiple borrowers, the failure of one loan will have a limited impact on the overall portfolio. This diversification is crucial for maintaining stability in the financial system. Another important aspect of depository financial intermediaries is their regulatory framework. These institutions are subject to stringent regulations aimed at protecting depositors and ensuring the safety and soundness of the financial system. Regulatory bodies often require banks to maintain certain capital reserves, conduct stress tests, and adhere to consumer protection laws. This oversight helps build trust among the public and encourages more individuals to deposit their savings. Additionally, depository financial intermediaries contribute to monetary policy implementation. Central banks, such as the Federal Reserve in the United States, rely on these institutions to transmit monetary policy changes to the broader economy. For instance, when a central bank adjusts interest rates, it affects the borrowing costs for depository financial intermediaries. Consequently, these changes influence consumer spending and investment decisions, ultimately impacting economic growth. In conclusion, a depository financial intermediary serves as a cornerstone of the financial system by connecting savers and borrowers, managing risks, and contributing to economic stability. Their ability to facilitate transactions and provide access to credit is indispensable for fostering growth and development. As we navigate through an increasingly complex financial landscape, recognizing the significance of depository financial intermediaries will enhance our understanding of the economy and our role within it.

在金融世界中，各种机构在促进交易和管理资金方面发挥着至关重要的作用。其中一个实体是存款金融中介，它作为储户和借款人之间的重要纽带。理解存款金融中介的功能和重要性可以提供对我们金融系统运作方式的深入见解。存款金融中介是接受个人或企业存款并利用这些资金进行贷款或投资的机构。这些中介的常见例子包括银行和信用合作社。它们不仅为人们提供了一个安全存放资金的地方，还通过向有需要的人提供贷款来帮助刺激经济增长。存款金融中介的主要功能是将来自多个存款者的资源汇集并有效分配。当个人存入资金时，他们通常希望能获得利息，同时保持对资金的访问权。存款金融中介利用这些存款向其他客户提供贷款，并对这些贷款收取利息。这个借贷循环对于经济活动至关重要。此外，存款金融中介在风险管理中也发挥着重要作用。通过从各种来源汇集资金，它们可以实现投资多样化，从而降低与贷款相关的风险。例如，如果一家银行向多个借款人提供贷款，那么一笔贷款的失败对整体投资组合的影响将有限。这种多样化对于维持金融系统的稳定至关重要。存款金融中介的另一个重要方面是其监管框架。这些机构受到严格的法规约束，旨在保护存款人并确保金融系统的安全和稳健。监管机构通常要求银行维持一定的资本储备，进行压力测试，并遵守消费者保护法。这种监督有助于建立公众信任，并鼓励更多个人存入他们的储蓄。此外，存款金融中介还对货币政策的实施做出贡献。中央银行，例如美国联邦储备系统，依赖这些机构将货币政策变化传递给更广泛的经济。例如，当中央银行调整利率时，会影响存款金融中介的借款成本。因此，这些变化会影响消费者支出和投资决策，最终影响经济增长。总之，存款金融中介通过连接储户和借款人、管理风险以及促进经济稳定，成为金融系统的基石。它们促进交易和提供信贷的能力对于促进经济增长和发展是不可或缺的。随着我们在日益复杂的金融环境中前行，认识到存款金融中介的重要性将增强我们对经济及其在其中角色的理解。