financial intermediaries

简明释义

金融中介机构,金融中介

英英释义

例句

1.Banks are one of the most common types of financial intermediaries 金融中介 that help people save and borrow money.

银行是最常见的类型之一的金融中介 金融中介，帮助人们储蓄和借款。

2.Insurance companies serve as financial intermediaries 金融中介 that provide risk management for individuals and businesses.

保险公司作为金融中介 金融中介，为个人和企业提供风险管理。

3.Pension funds are financial intermediaries 金融中介 that manage retirement savings for employees.

养老金基金是管理员工退休储蓄的金融中介 金融中介。

4.Mutual funds act as financial intermediaries 金融中介 by pooling money from many investors to purchase securities.

共同基金作为金融中介 金融中介，通过汇集许多投资者的资金来购买证券。

5.Credit unions are cooperative financial intermediaries 金融中介 that offer loans and savings options to their members.

信用合作社是合作性质的金融中介 金融中介，为其成员提供贷款和储蓄选项。

作文

Financial intermediaries play a crucial role in the economy by facilitating the flow of funds between savers and borrowers. These institutions, which include banks, credit unions, insurance companies, and investment firms, serve as a bridge that connects individuals or entities with excess funds to those in need of capital. By doing so, they help to allocate resources efficiently, promote economic growth, and stabilize financial markets. Understanding the function of financial intermediaries is essential for anyone looking to grasp the intricacies of modern finance.One of the primary functions of financial intermediaries is to reduce the transaction costs associated with lending and borrowing. When individuals want to save money, they often deposit their funds into a bank. The bank, acting as a financial intermediary, pools these deposits and lends them out to borrowers who need funds for various purposes, such as buying a home or starting a business. This process not only provides savers with interest on their deposits but also enables borrowers to access capital that they may not have been able to obtain directly from other sources.Moreover, financial intermediaries also play a vital role in risk management. They assess the creditworthiness of borrowers and determine the likelihood that they will repay their loans. By doing this, they help to mitigate the risks associated with lending. For example, banks utilize various tools and techniques, such as credit scoring and collateral requirements, to evaluate potential borrowers. This evaluation process ensures that funds are allocated to those who are most likely to repay, thus minimizing the risk of default.In addition to providing loans, financial intermediaries also offer a range of financial products and services that cater to the diverse needs of consumers and businesses. For instance, insurance companies provide policies that protect individuals and businesses against unforeseen events, while investment firms offer mutual funds and retirement accounts to help individuals grow their wealth over time. These services contribute to the overall stability and efficiency of the financial system.Furthermore, financial intermediaries facilitate the process of saving and investing. They provide individuals with a safe place to store their money while offering various investment opportunities that can yield higher returns than traditional savings accounts. By encouraging savings and investments, these intermediaries help to fuel economic growth and development.The importance of financial intermediaries cannot be overstated, especially in times of economic uncertainty. During financial crises, these institutions can act as stabilizers in the economy. For example, central banks often step in to support financial intermediaries during periods of financial distress to prevent a complete collapse of the banking system. This intervention helps to maintain confidence in the financial system and ensures that funds continue to flow between savers and borrowers.In conclusion, financial intermediaries are essential components of the financial ecosystem. They facilitate transactions, manage risks, provide valuable financial services, and contribute to economic stability. A thorough understanding of financial intermediaries is crucial for anyone seeking to navigate the complex world of finance, whether as an investor, borrower, or saver. Recognizing their role can lead to better financial decisions and a more informed perspective on economic issues.

金融中介在经济中发挥着至关重要的作用，通过促进储蓄者和借款者之间的资金流动。这些机构，包括银行、信用合作社、保险公司和投资公司，充当将拥有多余资金的个人或实体与需要资本的人连接起来的桥梁。通过这样做，它们有助于有效分配资源，促进经济增长，并稳定金融市场。理解金融中介的功能对于任何希望掌握现代金融复杂性的人来说都是至关重要的。金融中介的主要功能之一是降低与借贷相关的交易成本。当个人想要存钱时，他们通常会将资金存入银行。银行作为金融中介，将这些存款汇集并将其借出给需要资金的借款人，例如购买房屋或创业。这一过程不仅为储户提供了存款利息，还使借款人能够获得他们可能无法直接从其他来源获得的资本。此外，金融中介在风险管理中也扮演着重要角色。它们评估借款人的信用worthiness，并确定他们还款的可能性。通过这样做，它们帮助减轻与借贷相关的风险。例如，银行利用各种工具和技术，如信用评分和抵押要求，来评估潜在借款人。这一评估过程确保资金分配给那些最有可能还款的人，从而最小化违约风险。除了提供贷款，金融中介还提供一系列满足消费者和企业多样化需求的金融产品和服务。例如，保险公司提供保护个人和企业免受不可预见事件影响的保单，而投资公司则提供共同基金和退休账户，以帮助个人随着时间的推移积累财富。这些服务有助于金融系统的整体稳定和效率。此外，金融中介促进了储蓄和投资的过程。它们为个人提供了一个安全的地方来存放他们的钱，同时提供各种投资机会，这些机会可以产生比传统储蓄账户更高的回报。通过鼓励储蓄和投资，这些中介有助于推动经济增长和发展。在经济不确定时期，金融中介的重要性不容小觑。在金融危机期间，这些机构可以作为经济中的稳定器。例如，中央银行通常在金融危机时期介入以支持金融中介，以防止银行系统的完全崩溃。这种干预有助于维持对金融系统的信心，并确保资金继续在储蓄者和借款者之间流动。总之，金融中介是金融生态系统的重要组成部分。它们促进交易、管理风险、提供有价值的金融服务，并为经济稳定作出贡献。全面理解金融中介对于任何希望在复杂的金融世界中导航的人来说都是至关重要的，无论是作为投资者、借款人还是储户。认识到它们的角色可以导致更好的财务决策和对经济问题的更深入理解。