loanable capital

简明释义

可贷出资本

英英释义

例句

1.In a recession, loanable capital tends to become scarce as lenders become more cautious.

在经济衰退期间，随着贷款人变得更加谨慎，可贷资本往往会变得稀缺。

2.Higher interest rates can decrease the amount of loanable capital available in the market.

更高的利率可能会减少市场上可用的可贷资本数量。

3.Investors are concerned about the availability of loanable capital for new projects.

投资者对新项目的可贷资本可用性感到担忧。

4.The government is implementing policies to increase loanable capital in the economy.

政府正在实施政策以增加经济中的可贷资本。

5.The bank has increased its supply of loanable capital to stimulate economic growth.

银行增加了其可贷资本的供应以刺激经济增长。

作文

In the realm of economics, the concept of loanable capital is pivotal in understanding how financial markets operate. Loanable capital refers to the portion of a country's savings that is available for lending to businesses and individuals. This capital plays a crucial role in investment decisions, as it provides the necessary funds for entrepreneurs to start or expand their ventures. When we talk about loanable capital, we are essentially discussing the mechanisms that facilitate the flow of money within an economy, enabling growth and development.The supply of loanable capital is influenced by various factors, including interest rates, economic conditions, and the overall savings rate of a population. When interest rates are low, borrowing becomes cheaper, which typically encourages businesses to take out loans for expansion. Conversely, high-interest rates can deter borrowing, leading to a decrease in the availability of loanable capital. This dynamic relationship highlights the importance of monetary policy in managing economic growth.Moreover, the demand for loanable capital is driven by the needs of businesses and individuals who seek funding for various purposes. For instance, a startup may require loanable capital to purchase equipment, hire employees, or invest in marketing strategies. Similarly, individuals may seek loans for personal reasons, such as buying a home or financing education. The interaction between the supply and demand for loanable capital ultimately determines the equilibrium interest rate in the market.A critical aspect of loanable capital is its role in fostering economic growth. When capital is readily available, businesses can invest in new projects, leading to job creation and increased productivity. This, in turn, boosts consumer spending and stimulates further economic activity. Therefore, a healthy supply of loanable capital is essential for the overall prosperity of an economy.However, the availability of loanable capital is not without its challenges. Economic downturns can lead to a decrease in savings, which reduces the pool of capital available for lending. Additionally, during times of uncertainty, banks may become more cautious in their lending practices, further constraining the supply of loanable capital. This can create a vicious cycle where reduced lending leads to slower economic growth, which then results in even lower levels of savings.To mitigate these challenges, governments and central banks often implement policies aimed at stimulating the supply of loanable capital. For example, they may lower interest rates or provide incentives for saving. By doing so, they aim to encourage borrowing and investment, ultimately fostering a more robust economic environment.In conclusion, understanding the concept of loanable capital is essential for grasping the intricacies of financial markets and their impact on economic growth. It serves as a lifeblood for businesses and individuals alike, facilitating investments that drive prosperity. As economic conditions fluctuate, the dynamics of loanable capital will continue to play a significant role in shaping the landscape of our economies.

在经济学领域，可贷资本的概念对于理解金融市场的运作至关重要。可贷资本指的是一个国家可用于借贷给企业和个人的储蓄部分。这种资本在投资决策中发挥着关键作用，因为它提供了企业家启动或扩展其业务所需的资金。当我们谈论可贷资本时，我们实际上是在讨论促进资金在经济中流动的机制，从而推动增长和发展。可贷资本的供应受到多种因素的影响，包括利率、经济状况和人口的整体储蓄率。当利率较低时，借款变得更便宜，这通常会鼓励企业申请贷款以进行扩张。相反，高利率可能会阻碍借贷，导致可贷资本的可用性下降。这种动态关系突显了货币政策在管理经济增长中的重要性。此外，对可贷资本的需求受到企业和个人寻求各种目的融资的需要驱动。例如，一家初创公司可能需要可贷资本来购买设备、雇佣员工或投资于营销策略。同样，个人可能出于购房或资助教育等个人原因寻求贷款。对可贷资本的供需互动最终决定了市场上的均衡利率。可贷资本的一个关键方面是它在促进经济增长中的作用。当资本易于获得时，企业可以投资于新项目，从而创造就业机会并提高生产力。这反过来又刺激了消费者支出并进一步推动经济活动。因此，健康的可贷资本供应对经济的整体繁荣至关重要。然而，可贷资本的可用性并非没有挑战。经济衰退可能导致储蓄减少，从而减少可用于借贷的资本池。此外，在不确定时期，银行可能会在借贷实践上变得更加谨慎，进一步限制可贷资本的供应。这可能造成恶性循环，减少借贷导致经济增长缓慢，进而导致更低的储蓄水平。为了缓解这些挑战，政府和中央银行通常会实施旨在刺激可贷资本供应的政策。例如，他们可能会降低利率或提供储蓄激励。通过这样做，他们旨在鼓励借贷和投资，最终促进更强劲的经济环境。总之，理解可贷资本的概念对于掌握金融市场的复杂性及其对经济增长的影响至关重要。它作为企业和个人的生命线，促进推动繁荣的投资。随着经济条件的波动，可贷资本的动态将继续在塑造我们经济的格局中发挥重要作用。