loanable funds

简明释义

可贷资金

英英释义

例句

1.The central bank can influence loanable funds 可贷资金 through monetary policy.

中央银行可以通过货币政策影响可贷资金。

2.The bank has a certain amount of loanable funds 可贷资金 available for personal loans.

这家银行有一定数量的可贷资金用于个人贷款。

3.Interest rates affect the amount of loanable funds 可贷资金 in the market.

利率影响市场上可贷资金的数量。

4.During economic downturns, the availability of loanable funds 可贷资金 typically decreases.

在经济低迷时期，可贷资金的可用性通常会减少。

5.Investors are looking for ways to increase their loanable funds 可贷资金 to offer better loan terms.

投资者正在寻找增加他们的可贷资金以提供更好贷款条件的方法。

作文

The concept of loanable funds refers to the amount of money available in the financial system for borrowers. This money is provided by savers who deposit their funds into banks and other financial institutions, which then lend these funds to individuals and businesses in need of capital. Understanding loanable funds is crucial for grasping how economies operate and how interest rates are determined.In a simplified economy, the supply of loanable funds comes from households that save part of their income. These savings are deposited in banks, which pool the resources and make them available for loans. On the other hand, the demand for loanable funds comes from borrowers, such as individuals looking to purchase homes or businesses seeking to expand their operations. The interaction between the supply and demand for loanable funds ultimately determines the equilibrium interest rate in the market.When the supply of loanable funds increases, perhaps due to higher savings rates or an influx of foreign investment, the interest rates tend to decrease. Lower interest rates make borrowing more attractive, which can lead to increased investment and consumer spending. Conversely, if the supply of loanable funds decreases, perhaps due to lower savings or increased borrowing, interest rates will rise. Higher interest rates can discourage borrowing, leading to reduced investment and spending, which can slow economic growth.Another important aspect of loanable funds is the role of government policies. For instance, when central banks implement monetary policy by changing interest rates, they influence the availability of loanable funds. Lowering interest rates can stimulate the economy by making borrowing cheaper, while raising rates can help control inflation but may also stifle economic growth by making loans more expensive.Additionally, the concept of loanable funds is closely related to the idea of financial intermediation. Financial intermediaries, like banks, play a vital role in channeling savings into productive investments. By assessing the creditworthiness of borrowers, banks ensure that loanable funds are allocated efficiently, minimizing the risks involved in lending.In conclusion, loanable funds are a fundamental component of any economy, influencing interest rates, investment decisions, and overall economic health. Understanding how loanable funds work helps us appreciate the intricate balance between saving and borrowing, and the critical role financial institutions play in facilitating economic activity. As we navigate through economic challenges, recognizing the dynamics of loanable funds can provide valuable insights into policy-making and individual financial decisions.

“可贷资金”这一概念指的是在金融系统中可供借款者使用的资金总额。这些资金由储户提供，他们将资金存入银行和其他金融机构，后者再将这些资金借给需要资本的个人和企业。理解可贷资金对于掌握经济运作方式以及利率如何确定至关重要。在简化的经济模型中，可贷资金的供应来自于家庭，他们将部分收入储蓄。这些储蓄被存入银行，银行将资源集中起来，使其可用于贷款。另一方面，可贷资金的需求来自于借款者，例如希望购买房屋的个人或寻求扩展业务的企业。可贷资金的供需互动最终决定了市场的均衡利率。当可贷资金的供应增加时，可能是由于储蓄率提高或外资流入，利率往往会下降。较低的利率使借款更具吸引力，这可能导致投资和消费者支出的增加。相反，如果可贷资金的供应减少，可能是由于储蓄减少或借款增加，利率将上升。较高的利率可能会抑制借款，导致投资和支出的减少，从而可能减缓经济增长。可贷资金的另一个重要方面是政府政策的作用。例如，当中央银行通过改变利率来实施货币政策时，它们会影响可贷资金的可用性。降低利率可以通过使借款变得更便宜来刺激经济，而提高利率则可以帮助控制通货膨胀，但也可能通过使贷款变得更昂贵而抑制经济增长。此外，可贷资金的概念与金融中介的思想密切相关。金融中介，如银行，在将储蓄转化为生产性投资中发挥着至关重要的作用。通过评估借款者的信用worthiness，银行确保可贷资金得到有效配置，最大限度地降低借贷风险。总之，可贷资金是任何经济体的基本组成部分，影响着利率、投资决策和整体经济健康。理解可贷资金的运作有助于我们欣赏储蓄与借款之间微妙的平衡，以及金融机构在促进经济活动中的关键角色。在应对经济挑战时，认识到可贷资金的动态变化能够为政策制定和个人财务决策提供宝贵的见解。