debtor bank

简明释义

票据交换轧差银行

英英释义

例句

1.Creditors may demand higher interest rates from a debtor bank that is struggling.

对一家处于困境的债务银行，债权人可能会要求更高的利率。

2.The debtor bank will need to restructure its loans to avoid bankruptcy.

该债务银行需要重组其贷款以避免破产。

3.A debtor bank often faces increased scrutiny from regulators.

债务银行通常会受到监管机构的更严格审查。

4.Investors are concerned about the financial health of the debtor bank after recent reports of losses.

在最近的亏损报告后，投资者对债务银行的财务健康状况感到担忧。

5.The government intervened to assist the debtor bank during the financial crisis.

在金融危机期间，政府介入以帮助债务银行。

作文

In the world of finance, the term debtor bank refers to a financial institution that owes money to another entity, typically in the form of loans or credit lines. Understanding the role and implications of a debtor bank is crucial for both individuals and businesses involved in banking transactions. When a bank borrows money, it does so with the expectation of repaying that amount along with interest within a specified timeframe. This relationship forms the basis of trust and responsibility in the financial system.The concept of a debtor bank is particularly relevant in the context of economic stability. Banks often engage in borrowing to enhance their liquidity, which allows them to meet the withdrawal demands of their customers and to fund new loans. However, when a debtor bank becomes over-leveraged, meaning it has taken on more debt than it can manage, it risks defaulting on its obligations. This situation can lead to significant repercussions not only for the bank itself but also for the wider economy.For instance, during the financial crisis of 2008, several prominent debtor banks faced severe liquidity issues. The collapse of these institutions highlighted the interconnectedness of banks and the potential domino effect that can occur when one bank fails to meet its obligations. Consequently, regulators and policymakers have since emphasized the importance of maintaining adequate capital reserves and monitoring the health of debtor banks to prevent future crises.Moreover, the role of a debtor bank is often scrutinized in terms of ethical lending practices. When banks lend money to individuals or businesses, they must ensure that they are not putting borrowers in a position where they cannot repay their debts. This responsibility extends to how debtor banks manage their own debts. If a bank engages in predatory lending practices or charges exorbitant interest rates, it can exacerbate the financial struggles of its clients, leading to a cycle of debt that is difficult to escape.Additionally, understanding the dynamics of a debtor bank is essential for investors. Investors often analyze a bank's balance sheet to assess its level of indebtedness. A high ratio of debt to equity may signal that a debtor bank is taking on excessive risk, which could affect its stock price and overall market performance. On the other hand, a well-managed debtor bank with a balanced approach to borrowing and lending can present lucrative investment opportunities.In conclusion, the term debtor bank encapsulates a critical aspect of the banking industry. It highlights the responsibilities that banks have in managing their debts and the potential consequences of failing to do so. For consumers, businesses, and investors alike, understanding the implications of being a debtor bank can lead to better financial decisions and a more stable economic environment. As we navigate through an increasingly complex financial landscape, recognizing the importance of responsible borrowing and lending practices will be essential for ensuring long-term stability and growth in the banking sector.

在金融世界中，术语债务银行指的是一家欠其他实体钱的金融机构，通常以贷款或信用额度的形式存在。理解债务银行的角色和影响对于参与银行交易的个人和企业至关重要。当一家银行借款时，它是希望在规定的时间内连同利息偿还该金额。这种关系构成了金融体系中信任和责任的基础。债务银行的概念在经济稳定的背景下尤为相关。银行通常通过借贷来增强流动性，这使它们能够满足客户的提款需求并为新的贷款提供资金。然而，当一家债务银行过度负债，即承担了超出其管理能力的债务时，就面临违约的风险。这种情况不仅会对银行本身产生重大影响，还会对更广泛的经济产生后果。例如，在2008年的金融危机中，几家知名的债务银行面临严重的流动性问题。这些机构的崩溃突显了银行之间的相互关联性，以及当一家银行未能履行其义务时可能出现的多米诺效应。因此，监管机构和政策制定者自此强调保持足够的资本储备和监控债务银行健康状况的重要性，以防止未来的危机。此外，债务银行的角色在伦理借贷实践方面也常常受到审查。当银行向个人或企业贷款时，必须确保它们不会将借款人置于无法偿还债务的境地。这种责任延伸到债务银行如何管理自己的债务。如果一家银行从事掠夺性贷款或收取高额利率，可能会加剧客户的财务困境，导致难以逃脱的债务循环。此外，理解债务银行的动态对于投资者也至关重要。投资者通常会分析银行的资产负债表，以评估其负债水平。较高的债务与股本比率可能表明债务银行正在承担过度风险，这可能影响其股价和整体市场表现。另一方面，管理良好的债务银行在借贷方面采取平衡的方法，可以带来丰厚的投资机会。总之，术语债务银行概括了银行业的一个关键方面。它突显了银行在管理其债务方面所承担的责任，以及未能做到这一点可能带来的后果。对于消费者、企业和投资者而言，理解成为债务银行的含义可以导致更好的财务决策和更稳定的经济环境。随着我们在日益复杂的金融环境中航行，认识到负责任的借贷和贷款实践的重要性将对确保银行部门长期稳定和增长至关重要。