cheap money; easy money

简明释义

廉价货币

英英释义

例句

1.Many startups are taking advantage of easy money 容易获得的资金 to scale their operations quickly.

许多初创公司利用 容易获得的资金 快速扩大运营。

2.The influx of cheap money 廉价资金 has led to inflated asset prices.

大量的 廉价资金 使资产价格膨胀。

3.During the economic boom, many businesses thrived due to the availability of cheap money 廉价资金 from banks.

在经济繁荣时期，由于银行提供的 廉价资金，许多企业蓬勃发展。

4.Investors are flocking to real estate because they can borrow easy money 容易获得的资金 with low interest rates.

投资者纷纷涌向房地产，因为他们可以以低利率借到 容易获得的资金。

5.The government’s policy of lowering interest rates has created a climate of cheap money 廉价资金 in the market.

政府降低利率的政策在市场上创造了 廉价资金 的环境。

作文

In recent years, the terms cheap money and easy money have gained significant attention in financial discussions. These phrases refer to the availability of low-interest loans and a generally favorable lending environment that encourages borrowing and spending. Understanding these concepts is essential for both investors and consumers, as they can greatly influence economic conditions. Firstly, cheap money refers to a situation where interest rates are low, making it inexpensive for individuals and businesses to borrow funds. This often occurs when central banks, such as the Federal Reserve in the United States, lower their benchmark interest rates to stimulate economic growth. When borrowing costs are low, consumers are more likely to take out loans for big-ticket items like homes and cars. Businesses, too, are encouraged to invest in expansion or new projects, as the cost of financing is reduced.On the other hand, easy money encompasses a broader concept that includes not only low interest rates but also relaxed lending standards. During periods of easy money, lenders may be more willing to extend credit to borrowers with lower credit scores or less documentation of income. This can lead to an increase in consumer spending and investment, which can boost economic growth in the short term. However, it can also create risks, such as increased levels of debt and the potential for financial instability.The impact of cheap money and easy money on the economy can be profound. For instance, during the financial crisis of 2008, many banks had engaged in risky lending practices, fueled by a prolonged period of easy money. When the housing market collapsed, it became evident that many borrowers were unable to repay their loans, leading to widespread defaults and a severe recession. This example illustrates the potential dangers of relying too heavily on cheap money and easy money without adequate risk assessment and management.Moreover, while cheap money can stimulate economic activity, it can also contribute to asset bubbles. When borrowing is easy and cheap, investors may flock to purchase stocks or real estate, driving prices up beyond their intrinsic values. This can create a bubble that, when burst, can lead to significant financial losses for investors and a downturn in the economy.In conclusion, the concepts of cheap money and easy money are crucial for understanding the dynamics of modern economies. While they can provide short-term benefits by encouraging borrowing and spending, they also carry inherent risks that can lead to long-term consequences. It is vital for policymakers, lenders, and consumers to approach these financial tools with caution, ensuring that the lessons of past economic crises are not forgotten. By maintaining a balanced perspective on cheap money and easy money, we can work towards a more stable and sustainable economic future.

近年来，术语廉价货币和容易获得的货币在金融讨论中引起了显著关注。这些短语指的是低利率贷款的可用性以及普遍有利的借贷环境，鼓励借款和消费。理解这些概念对投资者和消费者来说都至关重要，因为它们可以极大地影响经济状况。首先，廉价货币指的是利率较低的情况，这使得个人和企业借款的成本变得便宜。这通常发生在中央银行（如美国的联邦储备）降低基准利率以刺激经济增长时。当借款成本较低时，消费者更有可能申请大宗商品的贷款，如房屋和汽车。企业也受到鼓励，投资于扩张或新项目，因为融资成本减少。另一方面，容易获得的货币包含了一个更广泛的概念，不仅包括低利率，还包括放宽的借贷标准。在容易获得的货币时期，贷款机构可能更愿意向信用评分较低或收入证明较少的借款人提供信贷。这可以导致消费支出和投资的增加，从而在短期内促进经济增长。然而，这也可能带来风险，例如债务水平的增加和潜在的金融不稳定。廉价货币和容易获得的货币对经济的影响可能是深远的。例如，在2008年的金融危机期间，许多银行参与了风险较高的贷款行为，这受到长期容易获得的货币的推动。当房地产市场崩溃时，许多借款人无法偿还贷款，导致广泛的违约和严重的经济衰退。这个例子说明了在没有充分风险评估和管理的情况下，过度依赖廉价货币和容易获得的货币的潜在危险。此外，虽然廉价货币可以刺激经济活动，但它也可能导致资产泡沫。当借款变得容易且便宜时，投资者可能会涌向购买股票或房地产，推动价格超过其内在价值。这可能会造成一个泡沫，当泡沫破裂时，可能导致投资者的重大财务损失和经济的下行。总之，廉价货币和容易获得的货币的概念对于理解现代经济的动态至关重要。虽然它们可以通过鼓励借款和消费提供短期利益，但它们也带来了固有风险，可能导致长期后果。政策制定者、贷款机构和消费者必须谨慎对待这些金融工具，确保过去经济危机的教训不会被遗忘。通过保持对廉价货币和容易获得的货币的平衡视角，我们可以朝着更加稳定和可持续的经济未来努力。