call money; callable loan; call loan

简明释义

短期拆放,短期拆借

英英释义

例句

1.The bank offered a low interest rate on call money 拆借资金 for short-term loans.

银行为短期贷款提供了低利率的call money 拆借资金。

2.During financial crises, call money 拆借资金 becomes a crucial tool for liquidity management.

在金融危机期间，call money 拆借资金成为流动性管理的重要工具。

3.A callable loan 可赎回贷款 allows the lender to demand repayment at any time.

一笔callable loan 可赎回贷款允许贷方随时要求偿还。

4.Investors often use call loans 可赎回贷款 to take advantage of market fluctuations.

投资者常常利用call loans 可赎回贷款来利用市场波动。

5.Companies might opt for call loans 可赎回贷款 to maintain flexibility in their financing.

公司可能选择call loans 可赎回贷款以保持融资的灵活性。

作文

In the world of finance, understanding various types of loans and their characteristics is crucial for both individuals and businesses. One such term that often arises in discussions about short-term financing is call money. This refers to funds that are borrowed and lent on a short-term basis, typically overnight. The interest rates on call money can fluctuate significantly based on market conditions, making it an essential tool for banks and financial institutions to manage liquidity. For instance, if a bank has excess funds, it might lend them out as call money to another bank that needs immediate cash flow. This not only helps in maintaining the stability of the banking system but also ensures that funds are utilized efficiently in the economy.Another related term is callable loan, which refers to a type of loan that the lender can demand repayment of before its maturity date. This feature allows lenders to mitigate risks associated with interest rate fluctuations. For example, if interest rates decrease significantly, a lender may choose to call the loan, requiring the borrower to pay it back so that the lender can reinvest the funds at a higher rate elsewhere. This aspect of callable loan makes it a flexible option for lenders, but it can pose risks for borrowers who may face sudden demands for repayment. Understanding the implications of callable loan is important for borrowers, as they need to be prepared for the possibility of having to repay their loans earlier than expected.Lastly, the term call loan is often used interchangeably with call money, but it can also refer to loans that are callable in nature, similar to callable loans. These loans are typically short-term and can be recalled by the lender at any time. This creates a dynamic environment where borrowers must remain vigilant about their financial obligations. Institutions that engage in call loan arrangements need to maintain a strong relationship with their lenders to ensure continued access to funds without unexpected interruptions.In summary, the concepts of call money, callable loan, and call loan play significant roles in the financial landscape. They provide mechanisms for managing liquidity and risk, but they also require careful consideration from both lenders and borrowers. Understanding these terms and their implications can help individuals and businesses navigate the complexities of financing more effectively. As the financial markets continue to evolve, staying informed about these aspects will be vital for making sound financial decisions.

在金融世界中，理解各种类型的贷款及其特征对于个人和企业都至关重要。其中一个常常出现在短期融资讨论中的术语是call money。这指的是在短期内（通常为隔夜）借入和借出的资金。call money的利率可能会根据市场条件显著波动，使其成为银行和金融机构管理流动性的重要工具。例如，如果一家银行有多余的资金，它可能会将这些资金作为call money借给需要立即现金流的另一家银行。这不仅有助于维持银行系统的稳定，还确保资金在经济中得到有效利用。另一个相关的术语是callable loan，指的是一种贷款，贷方可以在到期日前要求还款。这一特性使得贷方能够减轻与利率波动相关的风险。例如，如果利率显著下降，贷方可能选择要求提前还款，从而要求借款人偿还贷款，以便贷方能够在其他地方以更高的利率重新投资。这种callable loan的特点使其成为贷方的灵活选择，但对于借款人来说，可能面临突如其来的还款要求，这带来了风险。理解callable loan的影响对借款人来说至关重要，因为他们需要为可能面临的提前还款做好准备。最后，术语call loan通常与call money交替使用，但它也可以指性质上可召回的贷款，类似于callable loans。这些贷款通常是短期的，贷方可以随时召回。这创造了一个动态环境，借款人必须对其财务义务保持警惕。参与call loan安排的机构需要与其贷方保持良好的关系，以确保在没有意外中断的情况下继续获得资金。总之，call money、callable loan和call loan的概念在金融领域中发挥着重要作用。它们提供了管理流动性和风险的机制，但也要求贷方和借款人都要仔细考虑。理解这些术语及其影响可以帮助个人和企业更有效地应对融资的复杂性。随着金融市场的不断发展，了解这些方面将对做出明智的财务决策至关重要。