bank cushion

简明释义

岸推

英英释义

例句

1.It's important to build a bank cushion before making large investments.

在进行大额投资之前，建立一个银行缓冲是很重要的。

2.Many financial advisors recommend having at least three months' worth of expenses as a bank cushion.

许多财务顾问建议至少准备三个月的开支作为银行缓冲。

3.During economic downturns, businesses rely on their bank cushion to maintain operations.

在经济低迷期间，企业依靠它们的银行缓冲来维持运营。

4.The startup used its bank cushion to navigate through the initial phase of business.

这家初创公司利用其银行缓冲度过了商业初期阶段。

5.Having a solid bank cushion allows individuals to handle unexpected expenses without stress.

拥有一个坚实的银行缓冲可以让个人应对意外开支而不感到压力。

作文

In today's volatile economic environment, the concept of a bank cushion has become increasingly relevant. A bank cushion refers to the financial buffer that banks maintain to absorb potential losses. This cushion is crucial in ensuring that banks remain solvent and can continue to operate smoothly during financial downturns or crises. Without a sufficient bank cushion, banks may find themselves vulnerable to insolvency, which could lead to broader economic instability.The importance of a bank cushion can be illustrated by looking at the events leading up to the 2008 financial crisis. Many banks operated with minimal reserves, believing that the booming housing market would continue indefinitely. When the housing bubble burst, these banks faced significant losses but lacked the necessary bank cushion to weather the storm. As a result, several major financial institutions collapsed, leading to a global recession.To prevent such occurrences in the future, regulatory bodies have imposed stricter capital requirements on banks. These regulations mandate that banks maintain a certain level of capital reserves, effectively creating a bank cushion that can be drawn upon in times of need. This not only protects the banks themselves but also instills confidence in consumers and investors, knowing that their deposits are safeguarded by a robust financial system.Moreover, a well-maintained bank cushion allows banks to lend more freely during economic expansions. When banks have a solid financial foundation, they are more willing to extend credit to businesses and individuals. This lending activity is vital for economic growth, as it enables companies to invest in new projects and hire more employees. In this way, a healthy bank cushion contributes to overall economic stability and growth.On a personal finance level, the concept of a bank cushion can also be applied. Individuals are encouraged to maintain an emergency fund, which serves as a personal bank cushion to cover unexpected expenses such as medical bills or car repairs. Just as banks need to prepare for unforeseen circumstances, individuals too must be proactive in safeguarding their financial health.In conclusion, the idea of a bank cushion is essential for both financial institutions and individuals alike. It serves as a protective measure against potential losses and promotes stability within the economy. By understanding and implementing the principles of a bank cushion, we can better navigate the uncertainties of the financial world and ensure a more secure future for ourselves and our communities.

在当今动荡的经济环境中，“银行缓冲”的概念变得越来越相关。“银行缓冲”指的是银行维持的金融缓冲，以吸收潜在的损失。这种缓冲对于确保银行保持偿付能力并能在金融低迷或危机期间顺利运营至关重要。如果没有足够的“银行缓冲”，银行可能会发现自己面临破产的脆弱，这可能导致更广泛的经济不稳定。“银行缓冲”的重要性可以通过观察2008年金融危机前的事件来说明。许多银行以最低的储备运营，认为蓬勃发展的房地产市场将无限期持续。当房地产泡沫破裂时，这些银行面临重大损失，但缺乏必要的“银行缓冲”来渡过难关。因此，几家主要金融机构崩溃，导致全球经济衰退。为了防止未来发生此类事件，监管机构对银行施加了更严格的资本要求。这些法规要求银行维持一定水平的资本储备，有效地创建了一个可以在需要时提取的“银行缓冲”。这不仅保护了银行本身，还增强了消费者和投资者的信心，因为他们知道自己的存款受到强大金融体系的保障。此外，良好的“银行缓冲”使银行在经济扩张期间能够更自由地放贷。当银行拥有坚实的财务基础时，他们更愿意向企业和个人提供信贷。这种贷款活动对于经济增长至关重要，因为它使公司能够投资新项目并雇佣更多员工。通过这种方式，健康的“银行缓冲”有助于整体经济的稳定和增长。在个人财务层面上，“银行缓冲”的概念也可以应用。人们被鼓励维持应急基金，这作为个人“银行缓冲”来覆盖意外支出，例如医疗账单或汽车维修。正如银行需要为不可预见的情况做准备一样，个人也必须积极保护自己的财务健康。总之，“银行缓冲”的理念对于金融机构和个人同样至关重要。它作为潜在损失的保护措施，并促进经济的稳定。通过理解和实施“银行缓冲”的原则，我们可以更好地应对金融世界的不确定性，为自己和我们的社区确保一个更安全的未来。