call money

简明释义

可以随时收回的贷款

英英释义

例句

1.During the financial crisis, many institutions relied heavily on call money 拆借资金 to maintain liquidity.

在金融危机期间，许多机构严重依赖call money 拆借资金来维持流动性。

2.The bank offered a low interest rate on call money 拆借资金 to attract more customers.

银行提供低利率的call money 拆借资金以吸引更多客户。

3.The central bank adjusted the rates for call money 拆借资金 to control inflation.

中央银行调整了call money 拆借资金的利率以控制通货膨胀。

4.Investors often use call money 拆借资金 for short-term financing needs.

投资者通常使用call money 拆借资金来满足短期融资需求。

5.Many corporate treasurers manage their cash flow using call money 拆借资金 facilities.

许多企业财务主管利用call money 拆借资金设施管理现金流。

作文

In the world of finance, the term call money refers to a short-term borrowing arrangement between banks and financial institutions. This form of lending is typically conducted on an overnight basis, meaning that the borrowed funds must be repaid the next day. The interest rates for call money are usually determined by the prevailing market conditions, which can fluctuate based on supply and demand dynamics. Understanding call money is essential for anyone involved in banking or investment, as it plays a crucial role in maintaining liquidity in the financial system.The primary purpose of call money transactions is to help banks manage their short-term funding needs. For instance, if a bank finds itself in need of additional cash to meet withdrawal demands from its customers or to fulfill reserve requirements set by regulatory authorities, it may turn to call money markets. By borrowing from other banks, the institution can quickly obtain the necessary funds without resorting to long-term loans, which could incur higher costs and more stringent terms.One of the key features of call money is its flexibility. Banks can borrow and lend money as needed, allowing them to respond swiftly to changing financial circumstances. This flexibility is particularly important during periods of economic uncertainty, when liquidity can dry up rapidly. In such times, the call money market serves as a vital lifeline for banks, enabling them to maintain operations and continue providing services to their clients.Moreover, the call money market is closely monitored by central banks, as it can serve as an indicator of overall economic health. High demand for call money may suggest that banks are struggling to secure funding through traditional means, which could signal potential instability in the financial system. Conversely, a low demand for call money may indicate that banks are well-capitalized and able to meet their liquidity needs without relying on short-term borrowing.Investors and analysts also pay attention to the interest rates associated with call money. These rates can provide insights into the broader economic environment, influencing decisions related to investments, savings, and spending. For example, if call money rates are rising, it may indicate tightening liquidity in the market, prompting investors to reassess their portfolios and consider more conservative strategies.In conclusion, call money is a fundamental concept in the realm of finance, representing a crucial mechanism for banks to manage their short-term liquidity needs. Its significance extends beyond individual institutions, affecting the entire financial ecosystem. By understanding the dynamics of call money, stakeholders can better navigate the complexities of the financial markets and make informed decisions that contribute to economic stability and growth.

在金融世界中，术语call money指的是银行和金融机构之间的一种短期借款安排。这种形式的借贷通常是在隔夜基础上进行的，这意味着借入的资金必须在第二天偿还。call money的利率通常由市场环境决定，这些利率会根据供需动态波动。理解call money对任何参与银行或投资的人来说都是至关重要的，因为它在维持金融系统流动性方面发挥着关键作用。call money交易的主要目的是帮助银行管理其短期资金需求。例如，如果一家银行发现自己需要额外现金以满足客户的提款需求或遵守监管机构设定的准备金要求，它可能会转向call money市场。通过向其他银行借款，该机构可以迅速获得所需资金，而无需诉诸长期贷款，这可能会产生更高的成本和更严格的条款。call money的一个关键特征是其灵活性。银行可以根据需要借入和出借资金，使其能够迅速响应变化的财务状况。在经济不确定性时期，这种灵活性尤为重要，因为流动性可能会迅速枯竭。在这种情况下，call money市场作为银行的重要生命线，使其能够维持运营并继续为客户提供服务。此外，中央银行密切监测call money市场，因为它可以作为整体经济健康的指标。对call money的高需求可能表明银行在通过传统方式获得资金方面存在困难，这可能表明金融系统潜在的不稳定性。相反，call money的低需求可能表明银行资本充足，能够满足其流动性需求，而不依赖于短期借款。投资者和分析师也关注与call money相关的利率。这些利率可以提供对更广泛经济环境的洞察，从而影响与投资、储蓄和支出相关的决策。例如，如果call money利率上升，这可能表明市场流动性收紧，促使投资者重新评估其投资组合并考虑更保守的策略。总之，call money是金融领域的一个基本概念，代表了银行管理其短期流动性需求的重要机制。其重要性超越了个别机构，影响整个金融生态系统。通过理解call money的动态，利益相关者可以更好地应对金融市场的复杂性，并做出有助于经济稳定和增长的明智决策。