deposit turnover

简明释义

存款周转率

英英释义

例句

1.Investors often look at the deposit turnover 存款周转率 to gauge the liquidity of a bank.

投资者通常查看存款周转率 deposit turnover来评估银行的流动性。

2.The financial analyst explained that a rising deposit turnover 存款周转率 is a positive sign for the economy.

金融分析师解释说，存款周转率 deposit turnover上升是经济的积极信号。

3.The bank reported a high deposit turnover 存款周转率 this quarter, indicating strong customer activity.

银行报告本季度的存款周转率 deposit turnover很高，表明客户活动活跃。

4.A low deposit turnover 存款周转率 can signal a lack of trust in the banking system.

低存款周转率 deposit turnover可能表明对银行系统缺乏信任。

5.To improve deposit turnover 存款周转率, banks may offer higher interest rates on savings accounts.

为了提高存款周转率 deposit turnover，银行可能会提供更高的储蓄账户利率。

作文

In the world of finance and banking, understanding key metrics is essential for both consumers and institutions. One such important metric is deposit turnover, which refers to the rate at which deposits are made and withdrawn from a bank account over a specific period. This measurement is crucial for banks as it directly impacts their liquidity and overall financial health. For consumers, being aware of deposit turnover can help in managing personal finances effectively.To put it simply, deposit turnover can be calculated by taking the total amount of deposits made during a certain time frame and dividing it by the average balance in the account during that same period. A high deposit turnover indicates that an account is frequently used for transactions, suggesting a dynamic cash flow. Conversely, a low deposit turnover may imply that the funds are being held for longer periods, which could be indicative of savings or a lack of activity.Banks closely monitor deposit turnover because it helps them assess customer behavior and determine how to allocate resources. For instance, if a bank notices a high deposit turnover among its customers, it might decide to offer more attractive interest rates or promotions to encourage further deposits. On the other hand, a low deposit turnover might prompt a bank to investigate why customers are not utilizing their accounts as frequently, potentially leading to changes in service offerings or marketing strategies.For individuals, understanding deposit turnover is equally important. It can help them make informed decisions regarding their banking habits. For example, if someone has a high deposit turnover, they might need to consider whether their current banking options are meeting their needs. Are they receiving adequate returns on their deposits? Are there better accounts available that could yield higher interest rates for their savings?Moreover, businesses also benefit from tracking deposit turnover. Companies often have multiple accounts for different purposes, such as payroll, operational expenses, and savings. By analyzing the deposit turnover across these accounts, businesses can gain insights into their cash flow management. A healthy deposit turnover can indicate that a business is effectively managing its resources, while a stagnant turnover may highlight areas where adjustments are necessary.In conclusion, deposit turnover is a critical financial metric that reflects the activity level of deposits within a bank account. It serves as an indicator of both consumer behavior and bank performance. By understanding and monitoring deposit turnover, individuals and businesses can make better financial decisions, ensuring that their money is working for them effectively. Whether you are a consumer looking to optimize your savings or a business owner aiming to enhance cash flow management, keeping an eye on deposit turnover will undoubtedly provide valuable insights into your financial landscape.

在金融和银行的世界中，理解关键指标对消费者和机构来说都是至关重要的。其中一个重要的指标是存款周转率，它指的是在特定时间内，存款从银行账户中存入和提取的速度。这个测量对银行至关重要，因为它直接影响到流动性和整体财务健康。对于消费者来说，了解存款周转率可以帮助有效地管理个人财务。简单来说，存款周转率可以通过在某一时间框架内存入的总金额除以该期间内账户的平均余额来计算。高的存款周转率表明账户经常用于交易，暗示着动态的现金流。相反，低的存款周转率可能意味着资金被长期持有，这可能表明储蓄或缺乏活动。银行密切监控存款周转率，因为它帮助他们评估客户行为并决定如何分配资源。例如，如果一家银行注意到其客户的存款周转率很高，它可能会决定提供更具吸引力的利率或促销活动，以鼓励进一步存款。另一方面，低的存款周转率可能促使银行调查客户为何不那么频繁地使用他们的账户，这可能导致服务提供或营销策略的变化。对于个人来说，理解存款周转率同样重要。这可以帮助他们做出有关银行习惯的明智决策。例如，如果某人的存款周转率很高，他们可能需要考虑当前的银行选项是否满足他们的需求。他们是否在存款上获得了足够的回报？是否有更好的账户可以为他们的储蓄带来更高的利率？此外，企业也可以通过跟踪存款周转率获益。公司通常有多个账户用于不同的目的，例如工资、运营费用和储蓄。通过分析这些账户的存款周转率，企业可以获得现金流管理的见解。良好的存款周转率可以表明企业有效地管理其资源，而停滞的周转率可能突出需要调整的领域。总之，存款周转率是一个关键的财务指标，反映了银行账户内存款的活动水平。它作为消费者行为和银行表现的指标。通过理解和监控存款周转率，个人和企业可以做出更好的财务决策，确保他们的资金有效地为他们工作。无论你是希望优化储蓄的消费者，还是旨在增强现金流管理的企业主，关注存款周转率无疑会为你的财务状况提供有价值的见解。