capital ratio

简明释义

资本比率

英英释义

例句

1.Regulators monitor the capital ratio to ensure banks remain solvent.

监管机构监控资本比率以确保银行保持偿付能力。

2.The bank's capital ratio is above the regulatory requirement, ensuring financial stability.

该银行的资本比率高于监管要求，确保了金融稳定。

3.Investors often look at a company's capital ratio to assess its risk level.

投资者通常会查看公司的资本比率来评估其风险水平。

4.A higher capital ratio indicates that a bank has more capital to cover potential losses.

更高的资本比率表明银行拥有更多资本以应对潜在损失。

5.During the financial crisis, many banks struggled to maintain their capital ratio.

在金融危机期间，许多银行难以维持其资本比率。

作文

Understanding the concept of capital ratio is essential for anyone interested in finance and investment. The capital ratio is a key financial metric used to assess the financial strength of a bank or financial institution. It measures the proportion of a bank's capital to its risk-weighted assets, providing insight into its ability to absorb losses. A higher capital ratio indicates that a bank has a larger buffer to protect itself against potential financial downturns, while a lower ratio may signal vulnerability to economic shocks.The importance of maintaining an adequate capital ratio cannot be overstated. Regulatory authorities often set minimum requirements for capital ratio, ensuring that banks operate within safe limits. For instance, under the Basel III framework, banks are required to maintain a capital ratio of at least 8%. This regulatory measure aims to promote stability in the financial system and prevent bank failures, which can have devastating effects on the economy.Investors and analysts closely monitor the capital ratio when evaluating a bank's financial health. A strong capital ratio not only reflects a bank's ability to withstand losses but also enhances its credibility among investors and depositors. When a bank has a robust capital ratio, it is more likely to attract investment and maintain customer trust, which are crucial for long-term success.Moreover, the capital ratio plays a significant role in determining a bank's lending capacity. A bank with a high capital ratio is in a better position to extend loans to businesses and individuals, stimulating economic growth. This is particularly important during times of economic uncertainty when access to credit can be limited. By maintaining a healthy capital ratio, banks can contribute to the overall stability of the financial system and support economic recovery.In conclusion, the capital ratio is a vital indicator of a bank's financial stability and resilience. Understanding this concept allows investors, regulators, and the general public to make informed decisions regarding the banking sector. As we continue to navigate an increasingly complex financial landscape, the significance of the capital ratio will remain paramount in ensuring the safety and soundness of financial institutions. By prioritizing strong capital ratios, banks can not only safeguard their operations but also foster confidence in the broader economy.

理解资本比率的概念对于任何对金融和投资感兴趣的人来说都是至关重要的。资本比率是评估银行或金融机构财务实力的关键财务指标。它衡量银行资本与其风险加权资产的比例，提供了其吸收损失能力的洞察。较高的资本比率表明银行有更大的缓冲来保护自己免受潜在的财务下滑，而较低的比率可能表明对经济冲击的脆弱性。维持足够的资本比率的重要性不容小觑。监管机构通常设定最低要求，以确保银行在安全界限内运营。例如，根据巴塞尔III框架，银行需至少保持8%的资本比率。这一监管措施旨在促进金融系统的稳定，防止银行倒闭，而银行倒闭可能对经济产生毁灭性的影响。投资者和分析师在评估银行财务健康时密切关注资本比率。强劲的资本比率不仅反映了银行抵御损失的能力，还增强了其在投资者和存款人中的信誉。当一家银行拥有强大的资本比率时，更有可能吸引投资并维护客户信任，这对长期成功至关重要。此外，资本比率在决定银行的放贷能力方面也发挥着重要作用。一家具有高资本比率的银行更有能力向企业和个人发放贷款，从而刺激经济增长。这在经济不确定时期尤为重要，此时信贷获取可能受到限制。通过维持健康的资本比率，银行可以促进金融系统的整体稳定并支持经济复苏。总之，资本比率是银行财务稳定性和韧性的关键指标。理解这一概念使投资者、监管机构和公众能够就银行业做出明智的决策。随着我们继续在日益复杂的金融环境中航行，资本比率的重要性将继续在确保金融机构的安全和稳健中占据重要位置。通过优先考虑强劲的资本比率，银行不仅可以保障其运营，还可以增强公众对更广泛经济的信心。