negotiable certificate of deposit
简明释义
可流通定期存单，可转让定期存单
英英释义
例句
1.You can sell your negotiable certificate of deposit 可转让存款证 in the secondary market if you need cash before maturity.
如果您在到期之前需要现金，可以在二级市场上出售您的可转让存款证。
2.Investors often prefer a negotiable certificate of deposit 可转让存款证 because it offers higher interest rates than regular savings accounts.
投资者通常更喜欢
3.The negotiable certificate of deposit 可转让存款证 is a secure investment option for those looking for low-risk returns.
对于那些寻求低风险回报的人来说，可转让存款证是一种安全的投资选择。
4.A bank issued a negotiable certificate of deposit 可转让存款证 with a maturity of six months.
一家银行发行了一张为期六个月的可转让存款证。
5.Many corporations invest in negotiable certificates of deposit 可转让存款证 as a way to manage their short-term cash needs.
许多公司投资于可转让存款证，作为管理其短期现金需求的一种方式。
作文
In the world of finance, various instruments are used to manage money, invest, and save. One such instrument is the negotiable certificate of deposit, which plays a crucial role in both individual and institutional investment strategies. A negotiable certificate of deposit is essentially a time deposit that can be transferred between parties, making it a unique financial tool. Unlike traditional certificates of deposit (CDs), which are non-transferable and must be held until maturity, a negotiable certificate of deposit can be sold or traded in the secondary market. This feature provides liquidity and flexibility to investors, allowing them to access their funds before the maturity date if necessary.The primary appeal of a negotiable certificate of deposit lies in its higher interest rates compared to regular savings accounts. Financial institutions offer these CDs with attractive returns, often appealing to both individual investors and larger entities like corporations and pension funds. The reason behind the higher rates is the commitment of the depositor to keep the funds untouched for a specified period, which can range from a few months to several years.Investors appreciate the safety associated with negotiable certificates of deposit. They are insured by the Federal Deposit Insurance Corporation (FDIC) up to certain limits, providing a level of security that many other investments do not. This insurance makes them particularly appealing during times of economic uncertainty when investors seek stable and secure places to park their money.However, it is essential for potential investors to understand the terms and conditions associated with a negotiable certificate of deposit. While they offer greater flexibility than traditional CDs, they also come with specific requirements. For instance, the minimum investment amount can be significantly higher, often starting at $100,000, which may not be accessible to all individual investors. Additionally, the market for trading these certificates can be less liquid than one might expect, depending on the prevailing interest rates and demand.In conclusion, the negotiable certificate of deposit represents an innovative financial product that combines the benefits of fixed-income investing with the flexibility of negotiability. As investors look for ways to balance risk and return, understanding instruments like the negotiable certificate of deposit becomes increasingly important. By grasping the nuances of this financial tool, investors can make informed decisions that align with their financial goals and risk tolerance. Whether used as a part of a diversified portfolio or as a standalone investment, the negotiable certificate of deposit offers a compelling option for those seeking security and yield in their financial endeavors.
在金融世界中，各种工具被用来管理资金、投资和储蓄。其中一种工具是可转让存款证，它在个人和机构投资策略中发挥着至关重要的作用。可转让存款证本质上是一种定期存款，可以在各方之间转移，使其成为一种独特的金融工具。与传统的存款证（CD）不同，后者不可转让，必须持有到期，可转让存款证可以在二级市场上出售或交易。这一特性为投资者提供了流动性和灵活性，使他们能够在必要时在到期日前访问资金。可转让存款证的主要吸引力在于其相比于常规储蓄账户更高的利率。金融机构以有吸引力的回报提供这些存款证，通常吸引个人投资者和大型实体，如公司和养老金基金。更高利率的原因在于存款人承诺在指定期限内不动用资金，期限可以从几个月到几年不等。投资者欣赏与可转让存款证相关的安全性。它们由联邦存款保险公司（FDIC）在一定限额内投保，为许多其他投资所没有的安全水平提供保障。这种保险使得在经济不确定时期，投资者寻求稳定和安全的资金停放地点时，可转让存款证特别具有吸引力。然而，潜在投资者了解与可转让存款证相关的条款和条件至关重要。虽然它们提供比传统存款证更大的灵活性，但也伴随着具体要求。例如，最低投资金额可能显著更高，通常从100,000美元起，这对所有个人投资者来说可能并不容易获得。此外，根据当前利率和需求，交易这些存款证的市场流动性可能低于预期。总之，可转让存款证代表了一种创新的金融产品，将固定收益投资的好处与可转让性的灵活性结合在一起。随着投资者寻找平衡风险和回报的方法，理解像可转让存款证这样的工具变得越来越重要。通过掌握这一金融工具的细微差别，投资者可以做出与其财务目标和风险承受能力相一致的明智决策。无论是作为多样化投资组合的一部分，还是作为独立投资，可转让存款证为那些在财务努力中寻求安全和收益的人提供了一个引人注目的选择。
相关单词
