collection of deposits

简明释义

取得存款

英英释义

例句

1.The bank reported a significant increase in its collection of deposits last quarter.

银行报告称上个季度其存款的收集显著增加。

2.The collection of deposits from new clients has exceeded our expectations.

来自新客户的存款的收集超出了我们的预期。

3.Our financial strategy focuses on the collection of deposits to enhance liquidity.

我们的财务策略专注于存款的收集以增强流动性。

4.To improve customer service, we streamlined our collection of deposits process.

为了改善客户服务，我们简化了存款的收集流程。

5.The collection of deposits is crucial for the bank's overall financial health.

对于银行的整体财务健康而言，存款的收集至关重要。

作文

In today's financial landscape, the term collection of deposits refers to the process by which banks and financial institutions gather funds from individuals and businesses. This process is crucial for the functioning of the banking system, as it allows banks to have a pool of resources that can be used for lending and investment purposes. The collection of deposits (存款的收集) is not only essential for the liquidity of the bank but also plays a significant role in the overall economy by facilitating credit availability and promoting economic growth.When individuals deposit money into their savings or checking accounts, they are essentially providing the bank with the necessary capital to operate. These deposits can come in various forms, such as savings accounts, fixed deposits, or current accounts. Each of these accounts serves a different purpose, but they all contribute to the collection of deposits (存款的收集). For instance, savings accounts typically offer interest on the deposited amount, encouraging individuals to save more, while current accounts provide easy access to funds for daily transactions.The collection of deposits (存款的收集) is also influenced by interest rates set by the central bank. When interest rates are high, people are more likely to deposit their money in banks to earn higher returns. Conversely, when interest rates are low, individuals may seek alternative investment opportunities, which can affect the total amount of deposits collected by banks. This dynamic showcases how interconnected the banking system is with monetary policy and economic conditions.Moreover, the collection of deposits (存款的收集) is vital for banks to meet regulatory requirements. Banks are required to maintain a certain level of reserves based on the deposits they hold, ensuring they can meet withdrawal demands from customers. This reserve requirement is a critical aspect of banking regulation, aimed at maintaining stability within the financial system. Without a robust collection of deposits (存款的收集), banks could face liquidity issues, leading to potential financial crises.In addition to individual deposits, businesses also contribute significantly to the collection of deposits (存款的收集). Companies deposit their earnings into business accounts, which provides banks with substantial capital. This capital can then be loaned out to other businesses or individuals, creating a cycle of economic activity. The ability of banks to effectively manage this collection of deposits (存款的收集) is crucial for fostering entrepreneurship and supporting small businesses, which are often the backbone of any economy.Furthermore, advancements in technology have transformed the way deposits are collected. With the rise of online banking and mobile applications, customers can now deposit money easily and quickly from anywhere. This convenience has led to an increase in the collection of deposits (存款的收集) as more people choose to bank online. Digital wallets and fintech solutions have also emerged, offering alternative ways for individuals to save and invest their money, further diversifying the sources of deposits for banks.In conclusion, the collection of deposits (存款的收集) is a fundamental aspect of the banking system that impacts both individual savers and the broader economy. It enables banks to lend money, supports economic growth, and ensures financial stability. As technology continues to evolve, the methods of collecting deposits will likely change, but the importance of this process will remain constant. Understanding the significance of the collection of deposits (存款的收集) is essential for anyone looking to navigate the world of finance effectively.

在当今的金融环境中，术语collection of deposits指的是银行和金融机构从个人和企业收集资金的过程。这个过程对于银行系统的运作至关重要，因为它允许银行拥有可以用于贷款和投资的资源池。collection of deposits（存款的收集）不仅对银行的流动性至关重要，而且通过促进信贷可用性和推动经济增长，在整体经济中也发挥着重要作用。当个人将钱存入储蓄或支票账户时，他们实际上是在为银行提供必要的资本以便运营。这些存款可以有多种形式，例如储蓄账户、定期存款或活期账户。每种账户都有不同的目的，但它们都为collection of deposits（存款的收集）做出了贡献。例如，储蓄账户通常会对存入的金额支付利息，鼓励个人更多地储蓄，而活期账户则为日常交易提供便捷的资金访问。collection of deposits（存款的收集）还受到中央银行设定的利率的影响。当利率较高时，人们更可能将钱存入银行以获得更高的回报。相反，当利率较低时，个人可能会寻找替代投资机会，这可能会影响银行收集的存款总额。这种动态展示了银行系统与货币政策和经济条件之间的相互联系。此外，collection of deposits（存款的收集）对银行满足监管要求至关重要。银行需要根据其持有的存款维持一定水平的准备金，以确保能够满足客户的提款需求。这一准备金要求是银行监管的关键方面，旨在维护金融系统的稳定。如果没有强大的collection of deposits（存款的收集），银行可能面临流动性问题，导致潜在的金融危机。除了个人存款外，企业也对collection of deposits（存款的收集）做出了重大贡献。公司将其收益存入商业账户，这为银行提供了可观的资本。这些资本随后可以贷给其他企业或个人，形成经济活动的循环。银行有效管理这一collection of deposits（存款的收集）的能力对于促进创业和支持小企业至关重要，而小企业往往是任何经济的支柱。此外，技术的进步改变了存款收集的方式。随着在线银行和移动应用程序的兴起，客户现在可以轻松快捷地随时随地进行存款。这种便利性导致collection of deposits（存款的收集）的增加，因为越来越多的人选择在线银行。数字钱包和金融科技解决方案也应运而生，提供了个人储蓄和投资资金的替代方式，进一步多样化了银行的存款来源。总之，collection of deposits（存款的收集）是银行系统的一个基本方面，影响着个人储户和更广泛的经济。它使银行能够贷款，支持经济增长，并确保金融稳定。随着技术的不断发展，收集存款的方法可能会发生变化，但这一过程的重要性将保持不变。理解collection of deposits（存款的收集）的重要性，对于任何希望有效应对金融世界的人来说都是必不可少的。