clearing balance; clearing house balance

简明释义

票据交换差额

英英释义

例句

1.The bank provided a detailed report on the clearing house balance for the month, showing all incoming and outgoing funds.

银行提供了本月的清算所余额详细报告，显示所有进出资金。

2.Before the end of the trading day, the broker checked the clearing balance to ensure all transactions were settled correctly.

在交易日结束之前，经纪人检查了清算余额以确保所有交易都已正确结算。

3.During the reconciliation process, discrepancies in the clearing house balance were identified and addressed promptly.

在对账过程中，发现并及时处理了清算所余额中的差异。

4.To avoid overdraft fees, it's essential to monitor your clearing balance regularly.

为了避免透支费用，定期监控你的清算余额是至关重要的。

5.Investors should be aware of their clearing balance when making large trades to ensure they have sufficient funds.

投资者在进行大额交易时应注意自己的清算余额以确保有足够的资金。

作文

In the world of finance and banking, terms such as clearing balance and clearing house balance play a crucial role in ensuring smooth transactions between different financial institutions. To understand these concepts, we first need to delve into what clearing means in the context of banking. Clearing is the process by which financial institutions settle transactions between themselves, ensuring that all accounts are balanced after trades or exchanges have occurred. This process is essential for maintaining the integrity and stability of the financial system.The clearing balance, specifically, refers to the amount of money that must be maintained in an account to facilitate the clearing of transactions. It acts as a buffer to ensure that there are sufficient funds available to cover any debits that may arise during the clearing process. For example, if a bank processes a large number of checks and electronic transfers, it needs to have a certain clearing balance to ensure that all transactions can be completed without overdrawing accounts. This balance can fluctuate based on the volume of transactions and the liquidity needs of the bank.On the other hand, the clearing house balance refers to the net amount owed or receivable by a financial institution from a clearing house at the end of a settlement period. A clearing house is an intermediary that facilitates the exchange of payments, securities, or derivatives transactions. It ensures that trades are settled efficiently and reduces the risk of default by acting as the counterparty to both sides of a transaction. The clearing house balance is crucial because it indicates the overall position of a bank with respect to its counterparties in the market.Understanding these balances is vital for financial institutions as they manage their liquidity and risk exposure. Banks must carefully monitor their clearing balance to avoid penalties associated with insufficient funds during the clearing process. Similarly, they need to keep track of their clearing house balance to ensure they can meet their obligations to the clearing house and other financial entities. Failure to manage these balances effectively can lead to financial instability, loss of reputation, and even regulatory scrutiny.In conclusion, the concepts of clearing balance and clearing house balance are integral to the functioning of the financial system. They help maintain order and efficiency in the settlement of transactions, which is essential for the smooth operation of the economy. As the financial landscape continues to evolve with advancements in technology and changes in regulations, the importance of understanding these terms will only grow. Financial professionals must stay informed about these concepts to navigate the complexities of the modern banking environment successfully.

在金融和银行的世界中，像清算余额和清算所余额这样的术语在确保不同金融机构之间的顺畅交易中发挥着至关重要的作用。要理解这些概念，我们首先需要深入了解在银行背景下清算的含义。清算是金融机构之间结算交易的过程，确保在交易或交换发生后所有账户都保持平衡。这个过程对于维护金融系统的完整性和稳定性至关重要。具体而言，清算余额指的是为了促进交易清算而必须在账户中维持的资金量。它充当缓冲，以确保在清算过程中有足够的资金可用于覆盖任何可能出现的借记。例如，如果一家银行处理大量支票和电子转账，它需要保持一定的清算余额以确保所有交易都能顺利完成，而不会透支账户。这个余额可能会根据交易量和银行的流动性需求而波动。另一方面，清算所余额指的是在结算期结束时，金融机构从清算所应收或应付的净金额。清算所是一个中介，促进支付、证券或衍生品交易的交换。它确保交易高效结算，并通过充当交易双方的对手方来降低违约风险。清算所余额至关重要，因为它表明银行与市场中其他金融实体之间的整体头寸。理解这些余额对于金融机构管理其流动性和风险敞口至关重要。银行必须仔细监控其清算余额，以避免在清算过程中因资金不足而产生的罚款。同样，他们需要跟踪其清算所余额，以确保能够履行对清算所和其他金融实体的义务。未能有效管理这些余额可能导致金融不稳定、声誉损失甚至监管审查。总之，清算余额和清算所余额的概念是金融系统运作的核心。它们有助于在交易结算中维护秩序和效率，这对于经济的顺利运行至关重要。随着金融环境随着技术进步和法规变化而不断发展，理解这些术语的重要性只会增加。金融专业人士必须保持对这些概念的了解，以成功应对现代银行环境的复杂性。