loanable

简明释义

英[ˈləʊnəbl]美[loʊnəbl]

adj. 可借出的

英英释义

单词用法

同义词

反义词

例句

1.A liquidity trap can occur whenever there is a sharp reduction in demand for loanable funds-which is exactly what happened during the Great Depression.

只要对可贷资金的需求出现急剧下降，流动性陷阱就会发生——这正是大萧条期间所发生的事情。

2.Describe supply and demand in the market for loanable funds and the market for foreign-currency exchange. How are these markets linked?

说明可贷资金市场与外汇市场的供给与需求，这两个市场如何联系？

3.What does this situation look like in terms of loanable funds?

用可贷资金来表示，情况会是怎样呢？

4.A higher real interest rate encourages people to save and raises the quantity of loanable funds supplied.

更高的实际利率鼓励人们储蓄并提高可贷资金供给的数量。

5.This is the “loanable funds” model of the interest rate, which is in every textbook, mine included. It looks like this

这就是出现在几乎每一本教科书里的利率的“可贷资金”模型，我写的书也不例外。

6.In other words, the interest rate on loanable funds cannot fall below zero because holding cash guarantees a rate of return of zero.

换句话说，可贷资金的利率不可能低于零，因为持有现金的回报率都可以为零。

7.In neoclassical interest-rate theory for instance, the interest rate is believed to be determined by the supply of and demand for loanable funds.

例如，在新古典利率理论中，利率被认为是由可贷资金的供给和需求决定的。

8.A liquidity trap can occur whenever there is a sharp reduction in demand for loanable funds-which is exactly what happened during the Great Depression.

只要对可贷资金的需求出现急剧下降，流动性陷阱就会发生——这正是大萧条期间所发生的事情。

9.Theories on bond pricing include classical interest rate theory, liquidity preference theory, loanable fund theory and reasonable expectation theory.

债券价格的决定理论主要有古典利率理论、流动偏好理论、可贷资金理论和理性预期理论。

10.She was surprised to find out that her car was loanable 可贷款的 for a much higher amount than she expected.

她惊讶地发现，她的车可以可贷款的金额远高于她的预期。

11.You can check if your assets are loanable 可贷款的 by consulting with a financial advisor.

您可以通过咨询财务顾问来检查您的资产是否可贷款的。

12.Many community centers provide loanable 可贷款的 equipment for local events.

许多社区中心为当地活动提供可贷款的设备。

13.The bank offers a variety of loanable 可贷款的 amounts depending on your credit score.

银行根据您的信用评分提供各种可贷款的金额。

14.The university has a fund for loanable 可贷款的 textbooks for students in need.

大学有一个为有需要的学生提供可贷款的教科书的基金。

作文

In today's economy, understanding the concept of loanable funds is crucial for both individuals and businesses. The term loanable refers to money that can be borrowed or lent, typically within the context of financial markets. It encompasses all types of credit available for borrowing, which can include personal loans, mortgages, and business loans. The availability of loanable funds often influences interest rates, investment decisions, and overall economic growth.When we talk about loanable funds, we are essentially discussing the supply and demand for money in the economy. On one hand, lenders supply funds that they are willing to lend out, while on the other hand, borrowers demand these funds for various purposes such as purchasing a home, starting a business, or funding education. The interaction between these two groups determines the equilibrium interest rate, which is the cost of borrowing money.One of the key factors that affect the availability of loanable funds is the central bank's monetary policy. For instance, when a central bank lowers interest rates, it makes borrowing cheaper, which can increase the amount of loanable funds in the market. This encourages consumers and businesses to take out loans, thereby stimulating economic activity. Conversely, if interest rates are high, borrowing becomes more expensive, leading to a decrease in the amount of loanable funds available for lending.Moreover, the health of the financial institutions plays a significant role in the loanable funds market. Banks and credit unions must maintain a certain level of reserves to ensure they can meet withdrawal demands and continue lending. If a bank faces liquidity issues, it may restrict the amount of loanable funds it offers, impacting borrowers' access to credit. This situation can lead to tighter lending standards, where banks become more cautious in their lending practices, requiring higher credit scores or larger down payments.The demand for loanable funds also varies depending on economic conditions. During periods of economic growth, individuals and businesses are more likely to seek loans to invest in new projects or expand operations. However, during economic downturns, the demand for loanable funds usually decreases as consumers become more cautious about taking on debt. This fluctuation highlights the cyclical nature of borrowing and lending in the economy.Understanding the dynamics of loanable funds is essential for making informed financial decisions. For individuals, knowing when to borrow and how much to borrow can significantly impact their financial health. Similarly, businesses need to assess their financing options carefully to ensure they have adequate loanable funds to support growth without over-leveraging themselves.In conclusion, the concept of loanable funds is integral to our understanding of the financial system. It affects everything from personal finance decisions to broader economic policies. By grasping how loanable funds function, both borrowers and lenders can navigate the complexities of the financial landscape more effectively, ultimately contributing to a more stable and prosperous economy.

在当今经济中，理解loanable资金的概念对个人和企业至关重要。loanable这个术语指的是可以借出或贷出的资金，通常是在金融市场的背景下使用。它包含所有可用于借贷的信贷类型，包括个人贷款、抵押贷款和商业贷款。loanable资金的可用性通常会影响利率、投资决策以及整体经济增长。当我们谈论loanable资金时，我们实际上是在讨论经济中的货币供求关系。一方面，贷方提供他们愿意借出的资金，而另一方面，借款人则需要这些资金用于各种目的，例如购买房屋、创业或资助教育。这两个群体之间的互动决定了均衡利率，即借款成本。影响loanable资金可用性的一个关键因素是中央银行的货币政策。例如，当中央银行降低利率时，借款变得更便宜，这可能会增加市场上可用的loanable资金量。这鼓励消费者和企业申请贷款，从而刺激经济活动。相反，如果利率较高，借款变得更昂贵，导致可用的loanable资金量减少。此外，金融机构的健康状况在loanable资金市场中也起着重要作用。银行和信用合作社必须保持一定水平的准备金，以确保它们能够满足提款需求并继续放贷。如果一家银行面临流动性问题，它可能会限制其提供的loanable资金量，影响借款人获得信贷的机会。这种情况可能导致更严格的贷款标准，银行在贷款时变得更加谨慎，要求更高的信用评分或更大的首付款。loanable资金的需求也会根据经济条件而变化。在经济增长时期，个人和企业更有可能寻求贷款以投资新项目或扩展业务。然而，在经济衰退期间，对loanable资金的需求通常会减少，因为消费者在承担债务时变得更加谨慎。这种波动突显了借贷在经济中周期性特征。理解loanable资金的动态对于做出明智的财务决策至关重要。对于个人来说，知道何时借款和借款多少可以显著影响他们的财务健康。同样，企业需要仔细评估其融资选择，以确保他们拥有足够的loanable资金来支持增长，而不会过度杠杆化自己。总之，loanable资金的概念对我们理解金融系统至关重要。它影响从个人财务决策到更广泛的经济政策的方方面面。通过掌握loanable资金的运作方式，借款人和贷方都可以更有效地驾驭复杂的金融环境，最终为更稳定和繁荣的经济做出贡献。