average outstanding balance of deposits

简明释义

平均库存余额

英英释义

例句

1.A higher average outstanding balance of deposits typically indicates greater customer trust in the bank.

较高的存款的平均未偿余额通常表明客户对银行的信任度更高。

2.The average outstanding balance of deposits can affect the bank's liquidity position.

银行的流动性状况可能受到存款的平均未偿余额的影响。

3.The bank calculates the average outstanding balance of deposits to determine interest rates for savings accounts.

银行计算存款的平均未偿余额以确定储蓄账户的利率。

4.During the quarterly review, the finance team reported an increase in the average outstanding balance of deposits compared to last year.

在季度审查中，财务团队报告称与去年相比，存款的平均未偿余额有所增加。

5.To assess financial stability, investors often look at the average outstanding balance of deposits in a company's accounts.

为了评估财务稳定性，投资者通常会查看公司账户中的存款的平均未偿余额。

作文

Understanding financial terms is essential for anyone who wants to manage their money effectively. One such term that often comes up in banking and finance is the average outstanding balance of deposits. This phrase refers to the mean amount of money that a bank or financial institution holds in customer accounts over a specific period. To put it simply, it is calculated by adding up the daily balances of all deposit accounts and dividing that total by the number of days in the period under consideration. Knowing the average outstanding balance of deposits can provide valuable insights into a bank's liquidity and the behavior of its customers.To illustrate this concept further, let’s consider a hypothetical bank, ABC Bank. If ABC Bank has several deposit accounts with varying balances, the average outstanding balance of deposits will help the bank understand how much money is generally available for lending or investment. For instance, if the total balance of all deposit accounts at the end of a month is $1 million, and there are 30 days in that month, the average would be calculated as follows: $1 million divided by 30, which equals approximately $33,333. This means that, on average, ABC Bank had $33,333 in deposits available each day during that month.The significance of the average outstanding balance of deposits extends beyond just internal banking metrics. It is also crucial for customers. For example, if a customer is considering opening a savings account, understanding the average balance held by other customers can help them gauge the bank's stability and reliability. A higher average balance might indicate that customers trust the bank and are satisfied with its services.Moreover, the average outstanding balance of deposits can influence interest rates offered by banks. Typically, banks that maintain higher average balances may offer more competitive interest rates on savings accounts. This is because a larger pool of funds allows banks to lend more money, which can lead to increased profitability. Therefore, customers should pay attention to this metric when choosing where to deposit their money.In addition to its implications for banking practices, the average outstanding balance of deposits also has broader economic consequences. When consumers hold more money in their deposit accounts, it suggests confidence in the economy. Conversely, a lower average balance might indicate economic uncertainty, leading people to withdraw their funds for safety. These trends can affect monetary policy decisions made by central banks, which monitor deposit balances as part of their economic assessments.In conclusion, the term average outstanding balance of deposits encapsulates a fundamental aspect of banking and finance. It serves as a critical indicator of both individual bank performance and broader economic conditions. For both banks and customers, understanding this term can lead to better financial decisions and strategies. As we navigate the complexities of personal finance, being informed about such metrics empowers us to make choices that align with our financial goals and security. By recognizing the importance of the average outstanding balance of deposits, we can enhance our financial literacy and ultimately achieve greater financial well-being.

理解金融术语对于任何想要有效管理自己资金的人来说都是至关重要的。其中一个常常出现在银行和金融领域的术语是存款的平均未偿余额。这个短语指的是银行或金融机构在特定时期内客户账户中持有的平均金额。简单来说，它是通过将所有存款账户的每日余额相加，然后将总额除以考虑期间的天数来计算的。了解存款的平均未偿余额可以为银行的流动性和客户行为提供宝贵的见解。为了进一步说明这一概念，让我们考虑一家假设的银行，ABC银行。如果ABC银行有几个存款账户，其余额各不相同，那么存款的平均未偿余额将帮助银行了解每天可用于放贷或投资的资金量。例如，如果ABC银行在一个月结束时所有存款账户的总余额为100万美元，并且该月有30天，则平均值将按如下方式计算：100万美元除以30，约等于33,333美元。这意味着，在该月期间，ABC银行每天平均有33,333美元的存款可用。存款的平均未偿余额的重要性不仅仅局限于内部银行指标。它对客户也至关重要。例如，如果一位客户考虑开设储蓄账户，了解其他客户持有的平均余额可以帮助他们评估银行的稳定性和可靠性。较高的平均余额可能表明客户信任该银行并对其服务感到满意。此外，存款的平均未偿余额还可以影响银行提供的利率。通常，维持较高平均余额的银行可能会在储蓄账户上提供更具竞争力的利率。这是因为更大资金池使银行能够放贷更多资金，从而增加盈利能力。因此，客户在选择存款地点时应关注这一指标。除了对银行业务的影响外，存款的平均未偿余额还具有更广泛的经济后果。当消费者在其存款账户中持有更多资金时，这表明对经济的信心。相反，较低的平均余额可能表明经济不确定性，导致人们为了安全而提取资金。这些趋势可能会影响中央银行的货币政策决策，中央银行在进行经济评估时会监测存款余额。总之，术语存款的平均未偿余额概括了银行和金融的基本方面。它作为个人银行绩效和更广泛经济状况的关键指标。对于银行和客户而言，理解这一术语可以导致更好的财务决策和策略。在我们应对个人财务的复杂性时，了解这些指标使我们能够做出与我们的财务目标和安全相一致的选择。通过认识到存款的平均未偿余额的重要性，我们可以提高我们的金融素养，最终实现更大的财务福祉。