rediscount; bills rediscount

简明释义

转贴现

英英释义

例句

1.After evaluating the market conditions, the financial institution increased its rediscount rate.

在评估市场条件后，金融机构提高了其再贴现利率。

2.In order to manage cash flow, the company opted for bills rediscount with the central bank.

为了管理现金流，公司选择了向中央银行进行票据再贴现。

3.To support small businesses, the government introduced a program for rediscounting their loans.

为了支持小企业，政府推出了一项对其贷款进行再贴现的计划。

4.The bank decided to rediscount the short-term loans to improve liquidity.

银行决定再贴现短期贷款以改善流动性。

5.The bills rediscount facility allowed businesses to access funds quickly.

该票据再贴现设施使企业能够快速获取资金。

作文

In the world of finance, understanding various terms and mechanisms is crucial for both individuals and businesses. One such term that plays a significant role in the banking and financial sector is rediscount; bills rediscount. The concept of rediscount refers to the process by which a financial institution, typically a central bank, purchases previously discounted bills or notes from commercial banks at a lower interest rate. This mechanism serves as a vital tool for managing liquidity and ensuring that banks have sufficient funds to meet their obligations. To elaborate further, when commercial banks issue loans, they often rely on short-term instruments like bills of exchange. These bills represent a promise to pay a certain amount of money at a future date. However, if a bank needs immediate cash before the bill matures, it can sell (or discount) the bill to another financial institution at a discount. This transaction allows the bank to access cash quickly while transferring the risk of collection to the buyer.Now, if the central bank engages in this process, it can provide additional liquidity to the banking system. When the central bank rediscounts these bills, it effectively injects money into the economy, allowing banks to continue lending and supporting economic growth. This is particularly important during times of financial stress when banks might face liquidity shortages. By rediscounting bills, the central bank acts as a lender of last resort, helping stabilize the financial system.The implications of rediscount; bills rediscount extend beyond individual banks. For instance, when the central bank lowers the rediscount rate, it encourages commercial banks to borrow more, which can lead to increased lending to consumers and businesses. This, in turn, stimulates economic activity, as businesses can invest in growth and consumers can make purchases that drive demand.However, it is essential to approach rediscount; bills rediscount with caution. If too much money is injected into the economy, it can lead to inflation. Therefore, central banks must carefully monitor the overall economic conditions and adjust their policies accordingly. The balance between providing liquidity and maintaining price stability is a delicate one that requires constant attention and expertise.In conclusion, the term rediscount; bills rediscount encapsulates a critical function within the banking system. It facilitates the flow of money and helps maintain stability in the financial markets. For those involved in finance, whether as professionals or students, grasping the nuances of this concept is essential for understanding how monetary policy impacts the economy. As we navigate through an ever-changing financial landscape, the ability to comprehend and apply terms like rediscount; bills rediscount will undoubtedly enhance our financial literacy and decision-making skills.

在金融世界中，理解各种术语和机制对个人和企业至关重要。一个在银行和金融行业中发挥重要作用的术语是再贴现；票据再贴现。再贴现的概念是指金融机构，通常是中央银行，以较低的利率从商业银行购买先前贴现的票据或票据的过程。这一机制作为管理流动性和确保银行有足够资金履行其义务的重要工具。进一步阐述，当商业银行发放贷款时，它们通常依赖短期工具，如汇票。这些票据代表在未来某个日期支付一定金额的承诺。然而，如果一家银行在票据到期之前需要立即现金，它可以将票据出售（或贴现）给另一家金融机构，通常会以折扣的方式进行交易。这一交易使银行能够迅速获取现金，同时将收款风险转移给买方。如果中央银行参与这个过程，它可以为银行系统提供额外的流动性。当中央银行对这些票据进行再贴现时，它实际上向经济注入资金，使银行能够继续放贷并支持经济增长。这在金融压力时期尤为重要，因为银行可能面临流动性短缺。通过再贴现票据，中央银行充当最后贷款人，帮助稳定金融系统。再贴现；票据再贴现的影响不仅限于单个银行。例如，当中央银行降低再贴现率时，它鼓励商业银行借入更多资金，这可能导致对消费者和企业的贷款增加。这反过来又刺激了经济活动，因为企业可以投资于增长，消费者可以进行推动需求的购买。然而，必须谨慎对待再贴现；票据再贴现。如果经济中注入过多资金，可能导致通货膨胀。因此，中央银行必须仔细监测整体经济状况，并相应调整其政策。在提供流动性和维持价格稳定之间的平衡是一个微妙的过程，需要不断的关注和专业知识。总之，术语再贴现；票据再贴现概括了银行系统中的一个关键功能。它促进了资金的流动，并有助于维护金融市场的稳定。对于那些从事金融工作的人，无论是专业人士还是学生，掌握这一概念的细微差别对于理解货币政策如何影响经济至关重要。在我们应对不断变化的金融环境时，理解和应用像再贴现；票据再贴现这样的术语无疑会增强我们的金融素养和决策能力。