cheap money; easy money

简明释义

低息贷款

英英释义

例句

1.The housing market boomed as buyers took advantage of easy money (容易获得的资金) from banks.

由于买家利用银行提供的容易获得的资金(easy money)，房地产市场繁荣起来。

2.The central bank's policy of providing cheap money (廉价资金) has sparked debates about inflation.

中央银行提供的廉价资金(cheap money)政策引发了关于通货膨胀的辩论。

3.With easy money (容易获得的资金), startups found it easier to secure funding and launch their products.

有了容易获得的资金(easy money)，初创公司更容易获得资金并推出他们的产品。

4.Many businesses expanded rapidly during the period of cheap money (廉价资金), borrowing heavily to finance their growth.

许多企业在廉价资金(cheap money)的时期迅速扩张，大量借款以资助其增长。

5.Investors flocked to the stock market when they realized that there was a lot of cheap money (廉价资金) available due to low interest rates.

当投资者意识到由于低利率有大量的廉价资金(cheap money)可用时，他们纷纷涌向股市。

作文

In the world of finance, the terms cheap money and easy money are often used interchangeably, yet they hold distinct meanings that can significantly impact economic conditions. Understanding these terms is crucial for investors, policymakers, and anyone interested in the financial markets. Cheap money refers to a situation where borrowing costs are low, typically due to low interest rates set by central banks. This scenario allows individuals and businesses to borrow more easily, as the cost of servicing debt is reduced. On the other hand, easy money usually describes a broader monetary policy stance that encourages lending and investment through various means, such as quantitative easing or relaxed lending standards.The implications of cheap money are profound. When interest rates are low, consumers are more likely to take out loans for significant purchases, like homes or cars. Businesses, too, can invest in expansion or new projects without the burden of high-interest payments. This influx of capital can stimulate economic growth, leading to job creation and increased consumer spending. However, there is a downside: prolonged periods of cheap money can lead to asset bubbles, where prices for stocks, real estate, and other investments become inflated beyond their intrinsic value due to excessive liquidity in the market.Similarly, easy money policies can have both positive and negative effects. In times of economic downturn, central banks may implement easy money strategies to encourage lending and spending. For instance, during the 2008 financial crisis, the Federal Reserve adopted easy money measures to stabilize the economy. While this approach helped avert a deeper recession, it also raised concerns about long-term inflation and the sustainability of such policies.One of the critical risks associated with cheap money and easy money is that they can encourage reckless financial behavior. When borrowing is too accessible, individuals and companies may take on excessive debt, believing they can repay it easily due to low interest rates. This can lead to financial instability when rates eventually rise or when economic conditions change. Moreover, the reliance on easy money can create a cycle where economies become dependent on low rates to function effectively, making it challenging to normalize interest rates without causing economic disruptions.In conclusion, while cheap money and easy money can foster economic growth and recovery, they must be managed carefully to avoid potential pitfalls. Policymakers need to strike a balance between encouraging investment and maintaining financial stability. As global economies continue to navigate the complexities of monetary policy, understanding these concepts will remain essential for anyone looking to make informed financial decisions. The interplay between cheap money, easy money, and overall economic health is a dynamic that requires constant vigilance and adaptation to changing circumstances.

在金融世界中，术语廉价资金和容易获得的资金通常可以互换使用，但它们具有不同的含义，这可能会显著影响经济状况。理解这些术语对投资者、政策制定者以及任何对金融市场感兴趣的人来说都是至关重要的。廉价资金指的是借贷成本较低的情况，通常是由于中央银行设定的低利率。这种情况使个人和企业更容易借款，因为偿还债务的成本降低了。另一方面，容易获得的资金通常描述一种更广泛的货币政策立场，通过各种手段鼓励借贷和投资，例如量化宽松或放宽贷款标准。廉价资金的影响深远。当利率较低时，消费者更有可能申请贷款用于重大购买，如房屋或汽车。企业也可以在没有高额利息负担的情况下进行扩张或新项目投资。这一资本的涌入可以刺激经济增长，导致就业创造和消费者支出增加。然而，长期的廉价资金可能导致资产泡沫，即股票、房地产和其他投资的价格因市场流动性过剩而超出其内在价值。同样，容易获得的资金政策也可能产生积极和消极的影响。在经济低迷时期，中央银行可能会实施容易获得的资金策略，以鼓励借贷和消费。例如，在2008年金融危机期间，美联储采取了容易获得的资金措施来稳定经济。虽然这一方法帮助避免了更深的衰退，但也引发了对长期通货膨胀和此类政策可持续性的担忧。与廉价资金和容易获得的资金相关的一个关键风险是，它们可能鼓励不负责任的金融行为。当借贷过于便利时，个人和公司可能会承担过多的债务，认为由于低利率，他们可以轻松偿还。这可能在利率最终上升或经济条件变化时导致金融不稳定。此外，依赖于容易获得的资金可能会导致经济依赖于低利率才能有效运作，从而使得在没有造成经济干扰的情况下正常化利率变得困难。总之，虽然廉价资金和容易获得的资金可以促进经济增长和复苏，但必须谨慎管理以避免潜在的陷阱。政策制定者需要在鼓励投资和维护金融稳定之间取得平衡。随着全球经济继续应对货币政策的复杂性，理解这些概念将对任何希望做出明智财务决策的人来说仍然至关重要。廉价资金、容易获得的资金与整体经济健康之间的相互作用是一个动态过程，需要对不断变化的情况保持持续的警惕和适应。