financial intermediary

简明释义

金融媒介物

英英释义

例句

1.Investment firms serve as financial intermediaries 金融中介 that help clients invest in various assets.

投资公司作为金融中介 金融中介，帮助客户投资于各种资产。

2.Credit unions function as financial intermediaries 金融中介 that offer members lower interest rates on loans.

信用合作社作为金融中介 金融中介，为会员提供较低的贷款利率。

3.A bank acts as a financial intermediary 金融中介 by accepting deposits and providing loans to individuals.

银行作为一个金融中介 金融中介，通过接受存款并向个人提供贷款。

4.Mutual funds are a type of financial intermediary 金融中介 that pools money from many investors to purchase securities.

共同基金是一种金融中介 金融中介，它将许多投资者的资金汇集起来购买证券。

5.Insurance companies are also considered financial intermediaries 金融中介 because they pool risk and provide coverage.

保险公司也被视为金融中介 金融中介，因为它们聚集风险并提供保障。

作文

In the modern economy, the role of a financial intermediary (金融中介) is crucial for facilitating transactions between savers and borrowers. Financial intermediaries are institutions that act as middlemen in the financial system, helping to channel funds from those who have excess capital to those who need it. This process not only enhances liquidity but also promotes efficient allocation of resources within the economy.One of the primary functions of a financial intermediary (金融中介) is to pool the savings of individuals and entities to provide loans to businesses and consumers. For instance, banks are the most common type of financial intermediary (金融中介). They accept deposits from customers and use these funds to lend to borrowers. By doing so, banks reduce the risk for individual savers, as they have the expertise to assess the creditworthiness of borrowers and can diversify their loan portfolios.Moreover, financial intermediaries (金融中介) play a vital role in the payment system. They facilitate transactions by providing services such as checking accounts, credit cards, and electronic transfers. This enables consumers and businesses to conduct transactions efficiently without the need for cash. As a result, the economy becomes more dynamic, and commerce flourishes.Another important aspect of financial intermediaries (金融中介) is their ability to provide information. They gather and analyze data on borrowers, which helps to mitigate information asymmetry in the lending process. By evaluating the financial health and credit history of potential borrowers, financial intermediaries (金融中介) can make informed lending decisions. This not only protects the interests of the lenders but also encourages responsible borrowing among consumers and businesses.Additionally, financial intermediaries (金融中介) contribute to the stability of the financial system. During times of economic uncertainty, they can act as shock absorbers. For example, during a financial crisis, financial intermediaries (金融中介) can provide liquidity to the market, helping to stabilize prices and restore confidence among investors. Their presence in the economy can prevent the collapse of the financial system by ensuring that funds continue to flow where they are needed most.However, the importance of financial intermediaries (金融中介) also comes with certain risks. If these institutions engage in reckless lending practices or fail to manage their risks effectively, they can become a source of systemic risk. The 2008 financial crisis serves as a stark reminder of how the failure of major financial intermediaries (金融中介) can lead to widespread economic turmoil. Therefore, it is essential for regulatory frameworks to ensure that these institutions operate safely and soundly.In conclusion, financial intermediaries (金融中介) are integral to the functioning of the modern economy. They facilitate the flow of funds between savers and borrowers, provide essential financial services, and help maintain stability in the financial system. Understanding the role of financial intermediaries (金融中介) allows us to appreciate their significance in promoting economic growth and ensuring a well-functioning financial system. As we move forward, it is imperative to strike a balance between fostering innovation in the financial sector while also implementing robust regulations to safeguard against potential risks.

在现代经济中，金融中介（financial intermediary）的角色对促进储蓄者和借款者之间的交易至关重要。金融中介是充当金融系统中间人的机构，帮助将资金从拥有多余资本的人转移到需要资金的人。这一过程不仅增强了流动性，还促进了资源在经济中的有效配置。金融中介（financial intermediary）的主要功能之一是汇集个人和实体的储蓄，以向企业和消费者提供贷款。例如，银行是最常见的金融中介（financial intermediary）。它们接受客户的存款，并利用这些资金向借款人放贷。通过这样做，银行降低了个人储户的风险，因为它们具有评估借款人信用worthiness的专业知识，并且可以分散其贷款组合。此外，金融中介（financial intermediary）在支付系统中也发挥着重要作用。它们通过提供支票账户、信用卡和电子转账等服务来促进交易。这使得消费者和企业能够高效地进行交易，而无需使用现金。因此，经济变得更加动态，商业繁荣。金融中介（financial intermediary）的另一个重要方面是它们提供信息的能力。它们收集和分析有关借款者的数据，这有助于减轻贷款过程中的信息不对称。通过评估潜在借款人的财务健康状况和信用历史，金融中介（financial intermediary）可以做出明智的贷款决策。这不仅保护了贷款人的利益，还鼓励消费者和企业负责任地借款。此外，金融中介（financial intermediary）有助于金融系统的稳定。在经济不确定时期，它们可以充当缓冲器。例如，在金融危机期间，金融中介（financial intermediary）可以为市场提供流动性，帮助稳定价格并恢复投资者的信心。它们在经济中的存在可以防止金融系统的崩溃，确保资金继续流向最需要的地方。然而，金融中介（financial intermediary）的重要性也带来了某些风险。如果这些机构参与鲁莽的贷款行为或未能有效管理其风险，它们可能成为系统性风险的源头。2008年的金融危机是一个严峻的提醒，表明主要金融中介（financial intermediary）的失败可能导致广泛的经济动荡。因此，建立监管框架以确保这些机构安全稳健地运作至关重要。总之，金融中介（financial intermediary）是现代经济运作不可或缺的一部分。它们促进储蓄者和借款者之间的资金流动，提供必要的金融服务，并帮助维护金融系统的稳定。理解金融中介（financial intermediary）的角色使我们能够欣赏它们在促进经济增长和确保金融系统正常运作中的重要性。随着我们向前迈进，必须在促进金融部门创新与实施强有力的监管以防范潜在风险之间取得平衡。