bank discount; banker's discount

简明释义

银行贴现

英英释义

例句

1.Investors often look for bonds with a favorable bank discount to maximize their returns.

投资者通常寻找具有有利银行折扣的债券以最大化他们的回报。

2.The bank offered a bank discount on the loan, which reduced the total interest payable.

银行提供了银行折扣，这减少了总利息的支付。

3.When calculating the banker's discount, it's important to consider the time until maturity.

在计算银行家的折扣时，考虑到到期时间是很重要的。

4.She was pleased to receive a bank discount on her mortgage application.

她很高兴在她的抵押贷款申请中获得了银行折扣。

5.The banker's discount is calculated based on the face value of the note and the discount rate.

银行家的折扣是根据票据的面值和折扣率计算的。

作文

In the world of finance, understanding various terms is crucial for making informed decisions. One such term that often comes up in discussions about loans and investments is bank discount; banker's discount. This term refers to a method of calculating interest on a loan or investment where the interest is deducted from the principal amount before the loan is issued. Essentially, it allows the lender to receive their interest upfront, which can be beneficial in certain financial situations.The concept of bank discount; banker's discount is particularly relevant for short-term loans, such as promissory notes or treasury bills. When a borrower takes out a loan with a bank discount; banker's discount, they receive a smaller amount than the face value of the loan because the interest is deducted in advance. For example, if someone borrows $1,000 for one year at a 10% bank discount; banker's discount, they would receive only $900. The lender retains the $100 as the interest, which means that the borrower will have to repay the full $1,000 at the end of the loan term.This method of discounting can sometimes lead to confusion among borrowers, as they may not fully understand how much they are actually receiving and what they will owe at the end of the term. Therefore, it is essential for borrowers to carefully read the terms and conditions of any loan agreement that involves a bank discount; banker's discount. Being aware of this financial mechanism can help individuals make better choices regarding their borrowing needs.Moreover, the bank discount; banker's discount approach can also affect the overall cost of borrowing. Since the interest is deducted upfront, the effective interest rate can sometimes be higher than what it initially appears to be. This is important for borrowers to consider, especially when comparing different loan options. Understanding how bank discount; banker's discount works can provide clarity and prevent potential financial miscalculations.In addition to its implications for personal finance, bank discount; banker's discount plays a significant role in the banking industry as well. Banks utilize this method to manage their cash flow and ensure that they are compensated for the risk they take by lending money. By applying a bank discount; banker's discount, banks can secure their profits while still offering loans to customers. This balance is vital for maintaining a healthy financial ecosystem.In conclusion, the term bank discount; banker's discount is an essential concept in finance that deserves careful consideration. It represents a unique way of calculating interest that can impact both borrowers and lenders. By understanding how bank discount; banker's discount works, individuals can make more informed financial decisions, leading to better outcomes in their borrowing experiences. Whether you are taking out a loan or investing in financial products, being knowledgeable about bank discount; banker's discount can empower you to navigate the complex world of finance more effectively.

在金融世界中，理解各种术语对于做出明智的决策至关重要。其中一个在贷款和投资讨论中经常出现的术语是银行折扣；银行家折扣。这个术语指的是一种计算贷款或投资利息的方法，其中利息在贷款发放之前从本金金额中扣除。基本上，它允许贷方提前收到他们的利息，这在某些财务情况下可能是有利的。银行折扣；银行家折扣的概念对于短期贷款尤其相关，例如本票或国库券。当借款人以银行折扣；银行家折扣的方式借款时，他们收到的金额会少于贷款的面值，因为利息是提前扣除的。例如，如果某人借款1000美元，为期一年，利率为10%的银行折扣；银行家折扣，他们将只收到900美元。贷方保留100美元作为利息，这意味着借款人在贷款到期时必须偿还全额1000美元。这种折扣方法有时会导致借款人困惑，因为他们可能无法完全理解自己实际收到的金额以及到期时需要偿还的金额。因此，借款人必须仔细阅读涉及银行折扣；银行家折扣的任何贷款协议的条款和条件。意识到这一金融机制可以帮助个人更好地选择他们的借款需求。此外，银行折扣；银行家折扣方法也会影响借款的整体成本。由于利息是提前扣除的，有效利率有时可能高于最初显示的利率。这对于借款人来说是一个重要的考虑因素，特别是在比较不同贷款选项时。理解银行折扣；银行家折扣的工作原理可以提供清晰度，防止潜在的财务误算。除了对个人财务的影响外，银行折扣；银行家折扣在银行业中也发挥着重要作用。银行利用这种方法来管理现金流，确保他们因借款而承担的风险得到补偿。通过应用银行折扣；银行家折扣，银行能够确保其利润，同时仍然向客户提供贷款。这种平衡对于维持健康的金融生态系统至关重要。总之，术语银行折扣；银行家折扣是金融中的一个重要概念，值得认真考虑。它代表了一种独特的利息计算方式，可能影响借款人和贷方。通过理解银行折扣；银行家折扣的工作原理，个人可以做出更明智的财务决策，从而在借款体验中获得更好的结果。无论您是在申请贷款还是投资金融产品，了解银行折扣；银行家折扣都可以使您更有效地驾驭复杂的金融世界。