wholesale money

简明释义

巨额借款

英英释义

例句

1.Investors are increasingly turning to wholesale money markets for better returns.

投资者越来越多地转向批发资金市场以寻求更好的回报。

2.The bank offered lower interest rates for loans funded by wholesale money.

银行为通过批发资金提供的贷款提供了更低的利率。

3.The cost of borrowing wholesale money has risen due to increased demand.

由于需求增加，借入批发资金的成本上升。

4.The central bank adjusts its policies to influence the flow of wholesale money in the economy.

中央银行调整其政策以影响经济中批发资金的流动。

5.Many financial institutions rely on wholesale money to maintain their liquidity.

许多金融机构依赖批发资金来维持其流动性。

作文

In the world of finance, understanding various terms is crucial for making informed decisions. One such term is wholesale money, which refers to funds that are borrowed or lent in large quantities, typically by financial institutions. This concept plays a significant role in the banking system and the broader economy. Wholesale money is often associated with interbank lending, where banks lend to one another to meet short-term liquidity needs. This practice helps maintain stability in the financial system and ensures that banks have enough capital to operate effectively.The mechanism of wholesale money can be likened to a large-scale marketplace where financial institutions trade substantial amounts of money. The rates at which these transactions occur are usually lower than those in retail banking, primarily because the risk involved is less significant when dealing with established institutions. For instance, if a bank needs to borrow funds overnight to meet its reserve requirements, it can do so through the wholesale money market at a competitive interest rate.Moreover, wholesale money serves as a vital source of funding for banks and other financial entities. By accessing this pool of funds, banks can offer loans to consumers and businesses, thereby stimulating economic growth. When banks have access to cheap wholesale money, they can provide loans at lower interest rates, which encourages spending and investment.However, the reliance on wholesale money also comes with risks. During times of financial instability, the availability of these funds can dry up quickly, leading to a liquidity crisis. For example, during the 2008 financial crisis, many banks found it challenging to secure wholesale money, which exacerbated the situation and led to a credit crunch. This highlights the importance of maintaining a robust regulatory framework to oversee the wholesale money market and ensure its stability.In conclusion, wholesale money is a fundamental concept in modern finance that underpins the operations of banks and the overall economy. Its significance cannot be overstated, as it facilitates liquidity and enables financial institutions to meet their obligations. Understanding how wholesale money works and its implications for the economy is essential for anyone involved in finance or economics. As we move forward, it will be crucial to monitor the dynamics of the wholesale money market and implement policies that promote stability and resilience in the financial system.

在金融世界中，理解各种术语对于做出明智的决策至关重要。其中一个术语是批发资金，它指的是以大额借入或借出的资金，通常由金融机构进行。这个概念在银行系统和更广泛的经济中扮演着重要角色。批发资金通常与银行间借贷相关，银行之间相互借贷以满足短期流动性需求。这种做法有助于维护金融系统的稳定，并确保银行拥有足够的资本有效运作。批发资金的机制可以类比为一个大型市场，在这个市场上，金融机构交易大量资金。这些交易发生的利率通常低于零售银行的利率，主要是因为在处理成熟的机构时，涉及的风险较小。例如，如果一家银行需要借入资金来满足其储备要求，它可以通过批发资金市场以具有竞争力的利率进行借贷。此外，批发资金是银行和其他金融实体的重要资金来源。通过获取这笔资金，银行可以向消费者和企业提供贷款，从而刺激经济增长。当银行能够获得便宜的批发资金时，它们可以以较低的利率提供贷款，这鼓励了消费和投资。然而，依赖批发资金也带来了风险。在金融不稳定时期，这些资金的可用性可能会迅速枯竭，导致流动性危机。例如，在2008年金融危机期间，许多银行发现很难获得批发资金，这加剧了这种情况，并导致了信贷紧缩。这凸显了维护强有力的监管框架以监督批发资金市场并确保其稳定性的重要性。总之，批发资金是现代金融中的一个基本概念，支撑着银行和整体经济的运作。它的重要性不容低估，因为它促进了流动性，使金融机构能够履行其义务。理解批发资金的运作方式及其对经济的影响，对于任何参与金融或经济的人来说都是至关重要的。随着我们向前发展，监测批发资金市场的动态并实施促进金融系统稳定和韧性的政策将是至关重要的。