primary demand deposit

简明释义

原生活期存款

英英释义

例句

1.You can easily transfer money from your primary demand deposit 主要活期存款 to other accounts.

您可以轻松地将资金从您的主要活期存款 主要活期存款转移到其他账户。

2.Interest rates on primary demand deposits 主要活期存款 are typically lower than savings accounts.

对主要活期存款 主要活期存款的利率通常低于储蓄账户。

3.A primary demand deposit 主要活期存款 is essential for managing cash flow in a business.

对于管理企业现金流而言，主要活期存款 主要活期存款是必不可少的。

4.Most customers use their primary demand deposit 主要活期存款 accounts for daily transactions.

大多数客户使用他们的主要活期存款 主要活期存款账户进行日常交易。

5.The bank requires a minimum balance for the primary demand deposit 主要活期存款 account to avoid fees.

银行要求保持最低余额以避免主要活期存款 主要活期存款账户的费用。

作文

In the world of banking and finance, understanding the various types of accounts and deposits is crucial for both consumers and financial professionals. One important concept that often arises in discussions about banking is the term primary demand deposit. This phrase refers to the funds that are readily available for withdrawal and can be accessed by account holders at any time without any prior notice. These deposits are typically held in checking accounts and are essential for day-to-day transactions. In this essay, we will explore the significance of primary demand deposit accounts, their features, and their role in the economy.To begin with, a primary demand deposit is characterized by its liquidity. Liquidity refers to how quickly and easily an asset can be converted into cash without losing value. Demand deposits are considered highly liquid because they can be withdrawn on demand. For instance, when you write a check or use your debit card, you are accessing your primary demand deposit account. This accessibility makes it an ideal choice for individuals who need to manage their everyday expenses, such as groceries, bills, and other necessities.Another important aspect of primary demand deposits is that they typically do not earn significant interest. Unlike savings accounts or fixed deposits, which may offer higher interest rates, demand deposits are designed primarily for convenience rather than for wealth accumulation. This is because banks use the funds from these accounts to provide loans and other financial services, which is how they generate profit. As a result, while account holders benefit from easy access to their funds, they may not see substantial growth in their balances over time.Moreover, primary demand deposits play a critical role in the overall economy. They contribute to the money supply and influence monetary policy. When people deposit money into their checking accounts, it increases the amount of money available for banks to lend out. This lending activity stimulates economic growth by enabling businesses to invest, expand, and create jobs. Therefore, understanding the dynamics of primary demand deposits is essential for grasping how financial systems operate and how they impact economic conditions.In addition to their economic significance, primary demand deposits also come with certain risks. For example, if a bank faces financial difficulties, there is a possibility that depositors could lose their funds. However, many countries have established deposit insurance schemes to protect consumers. In the United States, the Federal Deposit Insurance Corporation (FDIC) insures deposits up to a certain limit, providing peace of mind for account holders.In conclusion, the concept of primary demand deposit is fundamental to understanding personal finance and banking. These accounts provide individuals with the liquidity needed for daily transactions while playing a vital role in the broader economy. Although they may not offer high-interest returns, their convenience and accessibility make them an indispensable part of financial management. As we navigate our financial lives, recognizing the importance of primary demand deposits can help us make informed decisions about how we manage our money and interact with financial institutions.

在银行和金融的世界中，理解各种账户和存款类型对于消费者和金融专业人士都是至关重要的。一个在讨论银行时经常出现的重要概念是术语主要活期存款。这个短语指的是可随时提取的资金，账户持有人可以在任何时候访问这些资金，而无需提前通知。这些存款通常保存在支票账户中，对于日常交易至关重要。在这篇文章中，我们将探讨主要活期存款账户的意义、特点及其在经济中的作用。首先，主要活期存款的一个特点是流动性。流动性指的是资产转化为现金的速度和容易程度，而不会失去价值。活期存款被认为是高度流动的，因为它们可以在需要时提取。例如，当你开支票或使用借记卡时，你正在访问你的主要活期存款账户。这种可及性使其成为需要管理日常开支的个人的理想选择，例如杂货、账单和其他必需品。主要活期存款的另一个重要方面是，它们通常不会赚取显著的利息。与储蓄账户或定期存款相比，后者可能提供更高的利率，活期存款主要是为了便利而设计，而不是为了财富积累。这是因为银行利用这些账户中的资金提供贷款和其他金融服务，这就是它们产生利润的方式。因此，虽然账户持有人可以轻松访问他们的资金，但他们可能不会看到余额的显著增长。此外，主要活期存款在整体经济中也发挥着关键作用。它们有助于货币供应并影响货币政策。当人们将钱存入支票账户时，它增加了银行可用于放贷的资金量。这种贷款活动通过使企业能够投资、扩展和创造就业机会来刺激经济增长。因此，理解主要活期存款的动态对于掌握金融系统的运作及其对经济状况的影响至关重要。除了经济重要性之外，主要活期存款还伴随着某些风险。例如，如果一家银行面临财务困难，存款人有可能会失去他们的资金。然而，许多国家已经建立了存款保险计划来保护消费者。在美国，联邦存款保险公司（FDIC）对存款提供最高限额的保险，为账户持有人提供安心。总之，主要活期存款的概念对于理解个人财务和银行业务是基础。这些账户为个人提供了日常交易所需的流动性，同时在更广泛的经济中发挥着重要作用。尽管它们可能不会提供高额的利息回报，但它们的便利性和可及性使其成为财务管理不可或缺的一部分。在我们进行财务生活时，认识到主要活期存款的重要性可以帮助我们在管理资金和与金融机构互动时做出明智的决策。