interbank account

简明释义

联行帐户

英英释义

例句

1.When setting up a new business, it's important to open an interbank account (银行间账户) to manage your cash flow effectively.

在建立新业务时，开设一个interbank account（银行间账户）以有效管理现金流是很重要的。

2.The interbank account (银行间账户) allows for quicker settlements between banks during the trading day.

在交易日内，interbank account（银行间账户）允许银行之间更快地结算。

3.Our company has established an interbank account (银行间账户) with several banks to ensure liquidity.

我们公司与多家银行建立了一个interbank account（银行间账户）以确保流动性。

4.To facilitate large transactions, we often use an interbank account (银行间账户) to transfer funds between institutions.

为了方便大额交易，我们经常使用一个interbank account（银行间账户）在机构之间转移资金。

5.We need to verify the balance in our interbank account (银行间账户) before making any large payments.

在进行任何大额支付之前，我们需要核实我们的interbank account（银行间账户）中的余额。

作文

In today's increasingly interconnected world of finance, the term interbank account refers to a specialized type of account that banks maintain with one another. These accounts are essential for the smooth operation of the banking system, allowing institutions to settle transactions and manage liquidity efficiently. When banks engage in transactions, such as lending or trading, they often need to transfer funds between themselves. This is where the interbank account comes into play, facilitating these transfers seamlessly.The primary purpose of an interbank account is to provide a mechanism for banks to hold deposits in other banks. For instance, when Bank A lends money to Bank B, Bank A may require Bank B to hold a certain amount in its interbank account as collateral. This arrangement ensures that both parties have a financial safety net, which is crucial during times of economic uncertainty.Furthermore, interbank accounts are vital for managing reserve requirements set by central banks. Each bank must maintain a specific amount of reserves to ensure stability within the financial system. By using interbank accounts, banks can easily transfer excess reserves to other banks that might be facing shortfalls, thus maintaining the overall health of the banking ecosystem.Moreover, the interbank account system plays a significant role in interbank lending. Banks often lend to each other for short periods, usually overnight, to meet their daily liquidity needs. These transactions are typically conducted through the interbank account, where interest rates can fluctuate based on supply and demand. The rates at which banks lend to one another are known as the interbank rates, which serve as a benchmark for various financial products.In addition to liquidity management, interbank accounts help banks to mitigate risks associated with currency fluctuations. For international transactions, banks may hold interbank accounts in various currencies, allowing them to settle trades and manage foreign exchange risk more effectively. This capability is particularly important in today’s globalized economy, where currency values can change rapidly.As technology continues to advance, the landscape of interbank accounts is evolving. The rise of digital banking and blockchain technology has introduced new ways for banks to interact and settle transactions. Some banks are exploring the use of cryptocurrencies and decentralized finance (DeFi) platforms to streamline interbank transactions, potentially reducing costs and increasing efficiency.In conclusion, the concept of the interbank account is fundamental to the functioning of modern banking. It enables banks to manage liquidity, meet reserve requirements, facilitate interbank lending, and mitigate currency risks. As the financial industry continues to innovate, the role of interbank accounts will likely adapt, but their importance in ensuring the stability and efficiency of the banking system will remain paramount.

在当今日益互联的金融世界中，术语interbank account（银行间账户）指的是银行之间维护的一种特殊类型的账户。这些账户对银行系统的顺利运作至关重要，使各机构能够高效地结算交易和管理流动性。当银行进行交易时，例如借贷或交易，它们通常需要在彼此之间转移资金。这就是interbank account发挥作用的地方，促进这些转移的无缝进行。 interbank account的主要目的是为银行提供在其他银行持有存款的机制。例如，当银行A向银行B借出资金时，银行A可能要求银行B在其interbank account中保持一定金额作为抵押。这种安排确保了双方都有财务安全网，这在经济不确定时期至关重要。此外，interbank accounts对于管理中央银行设定的准备金要求至关重要。每家银行必须保持一定数量的准备金，以确保金融系统的稳定。通过使用interbank accounts，银行可以轻松地将多余的准备金转移到可能面临短缺的其他银行，从而维持银行生态系统的整体健康。此外，interbank account系统在银行间借贷中也发挥着重要作用。银行通常会在短期内相互借贷，通常是过夜，以满足其每日流动性需求。这些交易通常通过interbank account进行，利率可能根据供需情况波动。银行间借贷的利率被称为银行间利率，它为各种金融产品提供了基准。除了流动性管理，interbank accounts还帮助银行减轻与货币波动相关的风险。对于国际交易，银行可能会持有不同货币的interbank accounts，使其能够更有效地结算交易和管理外汇风险。在当今全球化经济中，这一能力尤为重要，因为货币价值可能会迅速变化。随着技术的不断进步，interbank accounts的格局也在不断演变。数字银行和区块链技术的兴起引入了银行互动和结算交易的新方式。一些银行正在探索使用加密货币和去中心化金融（DeFi）平台来简化银行间交易，潜在地降低成本并提高效率。总之，interbank account的概念是现代银行运作的基础。它使银行能够管理流动性、满足准备金要求、促进银行间借贷和减轻货币风险。随着金融行业的不断创新，interbank accounts的角色可能会发生变化，但它们在确保银行系统的稳定性和效率方面的重要性将始终是首要任务。