interest-bearing eligible liabilities (IBELS)

简明释义

生息合格债务

英英释义

例句

1.The bank reported an increase in its interest-bearing eligible liabilities (IBELS) as it attracted more deposits.

银行报告称其利息负担合格负债 (IBELS)有所增加，因为吸引了更多的存款。

2.The interest-bearing eligible liabilities (IBELS) of the company have grown significantly over the last quarter.

该公司的利息负担合格负债 (IBELS)在上一季度显著增长。

3.A higher level of interest-bearing eligible liabilities (IBELS) can indicate a strong customer base.

较高的利息负担合格负债 (IBELS)水平可能表明客户基础强大。

4.Investors need to consider the interest-bearing eligible liabilities (IBELS) when assessing the bank's financial health.

投资者在评估银行的财务健康时，需要考虑利息负担合格负债 (IBELS)。

5.Regulators monitor interest-bearing eligible liabilities (IBELS) to ensure banks maintain adequate liquidity.

监管机构监测利息负担合格负债 (IBELS)以确保银行保持足够的流动性。

作文

In the world of finance, understanding various terms and concepts is crucial for making informed decisions. One such term that often arises in discussions about banking and financial stability is interest-bearing eligible liabilities (IBELS). This concept refers to liabilities that not only incur interest but also meet specific criteria set by regulatory bodies. The significance of interest-bearing eligible liabilities (IBELS) lies in their role in determining a bank's liquidity and overall financial health.To comprehend interest-bearing eligible liabilities (IBELS), it is essential to break down its components. 'Interest-bearing' indicates that these liabilities generate interest expenses for the institution, which is a cost that affects profitability. On the other hand, 'eligible liabilities' implies that these liabilities qualify under certain regulations or standards established by financial authorities. These regulations are designed to ensure that banks maintain adequate capital buffers and manage risks effectively.For instance, during times of economic uncertainty, regulators may closely monitor the interest-bearing eligible liabilities (IBELS) of banks to assess their risk exposure. A higher level of such liabilities could indicate that a bank is relying heavily on borrowed funds, which may raise concerns regarding its solvency and ability to withstand financial shocks. Conversely, a well-managed portfolio of interest-bearing eligible liabilities (IBELS) can enhance a bank's capacity to lend and invest, promoting economic growth.Moreover, the classification of liabilities as interest-bearing eligible liabilities (IBELS) can have implications for a bank's capital requirements. Regulatory frameworks, such as the Basel III Accord, emphasize the importance of maintaining a balanced ratio of capital to risk-weighted assets. In this context, the management of interest-bearing eligible liabilities (IBELS) becomes vital as it directly influences a bank's leverage and risk profile.In practical terms, banks often utilize interest-bearing eligible liabilities (IBELS) to fund their lending activities. For example, when a bank takes deposits from customers, these deposits become interest-bearing eligible liabilities (IBELS) because they require the bank to pay interest to depositors. The bank can then use these funds to extend loans to borrowers, thereby earning a spread between the interest it pays on deposits and the interest it receives on loans.Furthermore, understanding interest-bearing eligible liabilities (IBELS) is not solely important for banks; it also holds significance for investors and policymakers. Investors may analyze a bank's balance sheet to gauge its reliance on interest-bearing eligible liabilities (IBELS) as part of their investment strategy. Policymakers, on the other hand, may consider these liabilities when designing regulations aimed at ensuring financial stability in the banking sector.In conclusion, the concept of interest-bearing eligible liabilities (IBELS) plays a pivotal role in the financial landscape. It serves as a key indicator of a bank's financial health, risk exposure, and operational strategy. By grasping the nuances of interest-bearing eligible liabilities (IBELS), stakeholders can make better-informed decisions, whether in banking, investing, or policymaking. As the financial environment continues to evolve, the importance of understanding such terms will remain paramount for all those involved in the economy.

在金融世界中，理解各种术语和概念对于做出明智的决策至关重要。一个在银行和金融稳定讨论中经常出现的术语是利息负债（IBELS）。这个概念指的是不仅产生利息而且符合监管机构设定的特定标准的负债。利息负债（IBELS）的重要性在于它们在确定银行流动性和整体财务健康方面的作用。要理解利息负债（IBELS），首先需要拆分其组成部分。“利息负债”表示这些负债为机构产生利息费用，这是影响盈利能力的成本。而“合格负债”则意味着这些负债符合金融当局设定的某些法规或标准。这些法规旨在确保银行保持足够的资本缓冲，并有效管理风险。例如，在经济不确定时期，监管机构可能会密切监测银行的利息负债（IBELS），以评估其风险暴露。较高水平的此类负债可能表明银行过度依赖借款，这可能引发对其偿付能力和抵御金融冲击能力的担忧。相反，良好管理的利息负债（IBELS）组合可以增强银行的放贷和投资能力，从而促进经济增长。此外，将负债分类为利息负债（IBELS）可能会对银行的资本要求产生影响。监管框架，例如巴塞尔协议III，强调维持资本与风险加权资产之间平衡比率的重要性。在这种背景下，管理利息负债（IBELS）变得至关重要，因为它直接影响银行的杠杆和风险状况。在实际操作中，银行通常利用利息负债（IBELS）来资助其放贷活动。例如，当银行从客户那里接受存款时，这些存款就成为利息负债（IBELS），因为它们要求银行向存款人支付利息。然后，银行可以使用这些资金向借款人发放贷款，从而赚取存款利息与贷款利息之间的差额。此外，理解利息负债（IBELS）不仅对银行重要，对投资者和政策制定者也具有重要意义。投资者可能会分析银行的资产负债表，以评估其对利息负债（IBELS）的依赖程度，作为其投资策略的一部分。另一方面，政策制定者在设计旨在确保银行部门金融稳定的法规时，可能会考虑这些负债。总之，利息负债（IBELS）的概念在金融领域中发挥着关键作用。它作为银行财务健康、风险暴露和运营策略的关键指标。通过掌握利息负债（IBELS）的细微差别，各方利益相关者可以做出更明智的决策，无论是在银行、投资还是政策制定方面。随着金融环境的不断演变，理解此类术语的重要性将继续对所有参与经济的人至关重要。