total bank credit

简明释义

银行信贷总额

英英释义

例句

1.A rise in total bank credit can indicate a growing economy.

增加的总银行信贷可能表明经济正在增长。

2.The total bank credit extended to small businesses is crucial for their growth.

向小企业提供的总银行信贷对它们的增长至关重要。

3.Investors often look at the total bank credit to gauge the lending environment.

投资者通常会关注总银行信贷以评估借贷环境。

4.The central bank reported that the total bank credit has increased by 5% this year.

中央银行报告称，总银行信贷今年增长了5%。

5.An increase in total bank credit can lead to higher consumer spending.

增加的总银行信贷可能导致消费者支出增加。

作文

In the modern economy, understanding the concept of total bank credit is crucial for both individuals and businesses. total bank credit refers to the total amount of money that banks are willing to lend to borrowers within a specific period. This figure not only reflects the health of the banking sector but also indicates the overall economic activity and consumer confidence in a country. When total bank credit rises, it suggests that banks are more willing to lend money, which can lead to increased spending and investment. Conversely, a decline in total bank credit may signal tightening credit conditions, often resulting in reduced economic growth.One of the key factors influencing total bank credit is the monetary policy set by central banks. For instance, when a central bank lowers interest rates, borrowing becomes cheaper, encouraging both consumers and businesses to take loans. This increase in borrowing subsequently raises the total bank credit. On the other hand, if the central bank raises interest rates, borrowing costs go up, which can lead to a decrease in total bank credit as people and companies may hesitate to take on debt.Furthermore, the demand for loans significantly impacts total bank credit. During periods of economic growth, businesses often seek loans to expand operations, invest in new projects, or purchase inventory. This surge in demand for loans contributes to an increase in total bank credit. In contrast, during economic downturns, the demand for loans typically decreases, leading to a contraction in total bank credit. It is also important to consider the role of consumer behavior in shaping total bank credit. When consumers feel confident about their financial situation and the economy, they are more likely to borrow money for major purchases such as homes and cars. This increase in consumer borrowing adds to the total bank credit available in the economy. However, if consumers are uncertain about their financial future, they may choose to save rather than spend, which can negatively affect total bank credit.Moreover, the regulatory environment plays a significant role in determining total bank credit. Stricter regulations can limit the ability of banks to lend, thereby reducing total bank credit. On the other hand, a more relaxed regulatory framework may encourage banks to extend credit more freely, resulting in an increase in total bank credit.In summary, total bank credit serves as a vital indicator of economic health and activity. It is influenced by various factors, including monetary policy, loan demand, consumer confidence, and regulatory measures. Understanding these dynamics is essential for anyone looking to navigate the complexities of the financial landscape. By keeping an eye on total bank credit, individuals and businesses can make more informed decisions regarding borrowing, investing, and spending, ultimately contributing to a more stable and prosperous economy.

在现代经济中，理解“total bank credit”这一概念对个人和企业都至关重要。“total bank credit”指的是银行在特定时期内愿意借给借款人的总金额。这个数字不仅反映了银行部门的健康状况，还表明了一个国家整体经济活动和消费者信心。当“total bank credit”上升时，意味着银行更愿意放贷，这可能导致支出和投资的增加。相反，“total bank credit”的下降可能表明信贷条件收紧，通常会导致经济增长减缓。影响“total bank credit”的一个关键因素是中央银行设定的货币政策。例如，当中央银行降低利率时，借款变得更便宜，鼓励消费者和企业贷款。这种借款的增加随后提高了“total bank credit”。另一方面，如果中央银行提高利率，借款成本上升，可能导致“total bank credit”的减少，因为人们和公司可能会犹豫不决，不愿承担债务。此外，贷款需求显著影响“total bank credit”。在经济增长时期，企业通常寻求贷款以扩大运营、投资新项目或购买库存。这种贷款需求的激增促成了“total bank credit”的增加。相反，在经济衰退期间，贷款需求通常会减少，导致“total bank credit”的收缩。消费者行为在塑造“total bank credit”方面也发挥着重要作用。当消费者对自身财务状况和经济感到自信时，他们更有可能借钱进行重大购买，如房屋和汽车。这种消费者借款的增加会增加经济中的“total bank credit”。然而，如果消费者对未来的财务状况感到不确定，他们可能会选择储蓄而不是消费，这可能对“total bank credit”产生负面影响。此外，监管环境在决定“total bank credit”方面也起着重要作用。更严格的监管可能限制银行的借贷能力，从而减少“total bank credit”。另一方面，更宽松的监管框架可能鼓励银行更自由地提供信贷，从而导致“total bank credit”的增加。总之，“total bank credit”作为经济健康和活动的重要指标，受到货币政策、贷款需求、消费者信心和监管措施等多种因素的影响。理解这些动态对于任何希望驾驭金融复杂性的人来说都是必不可少的。通过关注“total bank credit”，个人和企业可以在借款、投资和支出方面做出更明智的决策，从而最终为一个更稳定和繁荣的经济做出贡献。