banking power

简明释义

贷出能力

英英释义

例句

1.The new regulations aim to enhance the banking power 银行权力 of local credit unions.

新规旨在增强地方信用合作社的银行权力。

2.The government is considering policies to strengthen the banking power 银行权力 of smaller banks.

政府正在考虑政策来增强小型银行的银行权力。

3.With a solid reputation, the bank has established considerable banking power 银行权力 in the region.

凭借良好的声誉，该银行在该地区建立了相当的银行权力。

4.Due to the merger, the company significantly increased its banking power 银行权力 in the market.

由于合并，该公司在市场上的银行权力显著增加。

5.Investors are looking for institutions with strong banking power 银行权力 to secure their funds.

投资者正在寻找具有强大银行权力的机构来保障他们的资金。

作文

In today's rapidly evolving financial landscape, the term banking power refers to the influence and control that financial institutions exert over the economy and individual consumers. This concept encompasses not only the traditional functions of banks, such as accepting deposits and providing loans, but also their ability to shape monetary policy, regulate credit, and facilitate economic growth. Understanding banking power is crucial for anyone interested in the dynamics of modern finance and its impact on society.Historically, banks have played a pivotal role in the development of economies. They serve as intermediaries between savers and borrowers, enabling the flow of capital that fuels business expansion and consumer spending. The banking power of these institutions allows them to determine interest rates, manage liquidity, and allocate resources efficiently. This power is not merely a function of their size or wealth; it is deeply rooted in the trust that consumers place in them and the regulatory frameworks that govern their operations.One significant aspect of banking power is its relationship with monetary policy. Central banks, such as the Federal Reserve in the United States, rely on commercial banks to implement their policies effectively. For instance, when a central bank lowers interest rates, it expects banks to pass on this reduction to consumers and businesses, thereby stimulating borrowing and investment. Conversely, during times of economic uncertainty, banks may tighten their lending standards, which can exacerbate financial crises. Thus, understanding the interplay between central banks and commercial banks is essential for grasping the full scope of banking power.Moreover, the rise of digital banking and fintech companies has transformed the landscape of banking power. Traditional banks are now competing with innovative startups that offer alternative financial services, such as peer-to-peer lending and mobile payment solutions. This competition challenges the dominance of established banks and forces them to adapt to changing consumer preferences. As a result, the banking power landscape is becoming more fragmented, with new players entering the market and reshaping how financial services are delivered.The implications of banking power extend beyond individual institutions; they affect entire economies and societies. For example, banks have the ability to influence economic inequality by determining who has access to credit and under what terms. Discriminatory lending practices can perpetuate cycles of poverty, while inclusive banking policies can promote economic mobility. Therefore, it is vital for regulators to monitor and address potential abuses of banking power to ensure a fair and equitable financial system.In conclusion, banking power is a multifaceted concept that reflects the significant role banks play in shaping economic outcomes. From facilitating transactions to influencing monetary policy, the power held by financial institutions has far-reaching consequences. As the financial landscape continues to evolve, it is essential for consumers, policymakers, and industry stakeholders to understand the nuances of banking power and its implications for the future of finance. By fostering transparency and accountability within the banking sector, we can harness its power for the greater good, ensuring that it serves the interests of all members of society rather than a select few.

在当今快速发展的金融环境中，短语银行权力指的是金融机构对经济和个人消费者施加的影响和控制。这一概念不仅包括银行的传统职能，例如接受存款和提供贷款，还包括它们塑造货币政策、调节信贷和促进经济增长的能力。理解银行权力对于任何对现代金融动态及其对社会影响感兴趣的人来说都是至关重要的。历史上，银行在经济发展中发挥了关键作用。它们作为储蓄者和借款人之间的中介，使资本流动得以进行，从而推动商业扩展和消费者支出。银行的银行权力使它们能够决定利率、管理流动性并有效配置资源。这种权力不仅仅是它们规模或财富的函数；它深深植根于消费者对它们的信任以及监管框架所管辖的操作。银行权力的一个重要方面是它与货币政策的关系。中央银行（例如美国的联邦储备系统）依赖商业银行有效地实施其政策。例如，当中央银行降低利率时，它期望银行将这一降低传递给消费者和企业，从而刺激借贷和投资。相反，在经济不确定时期，银行可能会收紧贷款标准，这可能加剧金融危机。因此，理解中央银行与商业银行之间的相互作用对于掌握银行权力的全部范围至关重要。此外，数字银行和金融科技公司的崛起改变了银行权力的格局。传统银行现在正面临提供替代金融服务的创新初创公司的竞争，例如点对点借贷和移动支付解决方案。这种竞争挑战了既有银行的主导地位，并迫使它们适应不断变化的消费者偏好。因此，银行权力的格局变得更加碎片化，新参与者进入市场并重新塑造金融服务的交付方式。银行权力的影响不仅限于单个机构；它们影响整个经济和社会。例如，银行能够通过决定谁可以获得信贷及其条款来影响经济不平等。歧视性的贷款实践可能会延续贫困循环，而包容性的银行政策则可以促进经济流动性。因此，监管机构必须监测和解决潜在的银行权力滥用，以确保公正和公平的金融体系。总之，银行权力是一个多层面的概念，反映了银行在塑造经济结果方面的重要角色。从促进交易到影响货币政策，金融机构所拥有的权力具有深远的后果。随着金融格局的不断演变，消费者、政策制定者和行业利益相关者理解银行权力的细微差别及其对未来金融的影响至关重要。通过促进银行部门的透明度和问责制，我们可以利用其力量为更大的利益服务，确保它为社会所有成员的利益服务，而不仅仅是少数人。