indirect finance; indirect financing

简明释义

间接融通,间接融资

英英释义

例句

1.Many businesses rely on indirect finance for their growth, as it allows them to access capital without directly borrowing from banks.

许多企业依赖于间接融资来实现增长，因为这使他们能够在不直接向银行借款的情况下获得资金。

2.The government supports indirect finance through policies that encourage lending by banks to small businesses.

政府通过鼓励银行向小企业贷款的政策来支持间接融资。

3.Investors often prefer indirect financing options like mutual funds, which pool resources from many individuals.

投资者通常更喜欢像共同基金这样的间接融资选项，这些基金将来自许多个人的资源汇集在一起。

4.In indirect financing, banks and other institutions lend money to businesses rather than individuals doing so directly.

在间接融资中，银行和其他机构向企业提供贷款，而不是个人直接借款。

5.The role of financial intermediaries is crucial in indirect finance, as they help channel funds from savers to borrowers.

金融中介在间接融资中的作用至关重要，因为他们帮助将资金从储户转移到借款人。

作文

In the world of finance, understanding the various methods of funding is crucial for both individuals and businesses. One significant method that plays a vital role in the financial ecosystem is indirect finance; indirect financing. This approach contrasts sharply with direct finance, where borrowers obtain funds directly from lenders without any intermediaries. To comprehend indirect finance; indirect financing, it is essential to explore its mechanisms, advantages, and implications for the economy.Indirect finance; indirect financing refers to the process where financial institutions, such as banks or investment firms, act as intermediaries between savers and borrowers. Instead of individuals or companies lending money directly to one another, they deposit their savings into financial institutions. These institutions then use the pooled funds to provide loans to those in need of capital. This system not only facilitates the flow of money but also allows for risk management and diversification of investments.One of the primary advantages of indirect finance; indirect financing is the reduced risk for individual investors. When people deposit their money into a bank, they are often protected by insurance schemes, such as the Federal Deposit Insurance Corporation (FDIC) in the United States. This means that even if a borrower defaults on a loan, the bank can absorb the loss, and the depositor’s funds remain secure. This safety net encourages more people to save, knowing that their money is safeguarded.Moreover, indirect finance; indirect financing promotes economic growth by providing businesses with easier access to capital. Small and medium-sized enterprises (SMEs), which may struggle to secure loans through direct finance due to lack of credit history or collateral, can benefit significantly from this system. Financial institutions assess the creditworthiness of borrowers, allowing SMEs to obtain necessary funding for expansion, innovation, and job creation.Additionally, indirect finance; indirect financing helps in the efficient allocation of resources. Financial institutions can analyze market trends and borrower needs, directing funds toward sectors that require investment. This process ensures that capital flows to productive areas of the economy, enhancing overall efficiency and productivity.However, indirect finance; indirect financing is not without its challenges. The reliance on intermediaries can lead to higher costs for borrowers, as financial institutions charge interest rates and fees for their services. Furthermore, during economic downturns, banks may tighten their lending standards, making it more difficult for borrowers to access funds. This can create a credit crunch, stifling economic growth and recovery.In conclusion, indirect finance; indirect financing plays a crucial role in the modern financial landscape. By acting as intermediaries, financial institutions facilitate the flow of funds from savers to borrowers, promoting economic growth and stability. While there are inherent risks and challenges associated with this system, its benefits, including risk reduction for individual investors and improved access to capital for businesses, make it an essential component of the financial ecosystem. Understanding indirect finance; indirect financing is vital for anyone looking to navigate the complexities of the financial world effectively.

在金融世界中，理解各种融资方法对个人和企业至关重要。其中一个在金融生态系统中起着重要作用的方法是间接融资；间接融资。这种方法与直接融资形成鲜明对比，后者是借款人直接从贷方那里获得资金，而没有任何中介。要理解间接融资；间接融资，必须探索其机制、优势以及对经济的影响。间接融资；间接融资是指金融机构（如银行或投资公司）作为储蓄者和借款人之间的中介的过程。个人或公司并不直接向彼此借款，而是将他们的储蓄存入金融机构。这些机构随后利用汇集的资金向需要资本的借款人提供贷款。这一系统不仅促进了资金的流动，还允许风险管理和投资多样化。间接融资；间接融资的主要优势之一是降低了个人投资者的风险。当人们将他们的钱存入银行时，他们通常受到保险计划的保护，例如美国的联邦存款保险公司（FDIC）。这意味着即使借款人违约，银行也可以吸收损失，而存款人的资金仍然安全。这一安全网鼓励更多的人储蓄，因为他们知道自己的钱是受到保护的。此外，间接融资；间接融资通过为企业提供更容易获得资本的机会来促进经济增长。中小企业（SMEs）可能因缺乏信用历史或抵押品而难以通过直接融资获得贷款，但可以从这一系统中显著受益。金融机构评估借款人的信用worthiness，使中小企业能够获得扩展、创新和创造就业所需的资金。此外，间接融资；间接融资有助于资源的有效配置。金融机构可以分析市场趋势和借款需求，将资金引导到需要投资的领域。这个过程确保资本流向经济中生产性领域，提高整体效率和生产力。然而，间接融资；间接融资并非没有挑战。对中介的依赖可能导致借款人成本增加，因为金融机构会对其服务收取利息和费用。此外，在经济低迷期间，银行可能会收紧贷款标准，使借款人更难获得资金。这可能导致信贷紧缩，抑制经济增长和复苏。总之，间接融资；间接融资在现代金融格局中发挥着至关重要的作用。通过作为中介，金融机构促进了资金从储蓄者到借款人的流动，促进了经济增长和稳定。尽管这一系统存在固有的风险和挑战，但其优势，包括对个人投资者的风险降低和对企业的资本获取改善，使其成为金融生态系统的重要组成部分。理解间接融资；间接融资对于任何希望有效应对金融世界复杂性的人来说都是至关重要的。