domestic credit expansion

简明释义

国内信用膨胀

英英释义

例句

1.Many businesses rely on domestic credit expansion 国内信贷扩张 to fund their operations.

许多企业依赖于国内信贷扩张来资助其运营。

2.A significant domestic credit expansion 国内信贷扩张 can signal a recovering economy.

显著的国内信贷扩张可能表明经济正在复苏。

3.The government announced measures to stimulate domestic credit expansion 国内信贷扩张 in order to boost economic growth.

政府宣布采取措施刺激国内信贷扩张以促进经济增长。

4.The central bank is closely monitoring domestic credit expansion 国内信贷扩张 to prevent inflation.

中央银行正在密切关注国内信贷扩张以防止通货膨胀。

5.Increased domestic credit expansion 国内信贷扩张 can lead to higher consumer spending and investment.

增加的国内信贷扩张可能导致更高的消费支出和投资。

作文

In recent years, the concept of domestic credit expansion has gained significant attention in the field of economics. Domestic credit expansion refers to the increase in the amount of money that banks and financial institutions lend to individuals and businesses within a country. This phenomenon can have profound effects on the economy, influencing everything from consumer spending to business investment. One of the primary drivers of domestic credit expansion is the central bank's monetary policy. When a central bank lowers interest rates, it becomes cheaper for banks to borrow money. This encourages banks to extend more loans to consumers and businesses, leading to an overall increase in credit availability. As a result, people are more likely to take out mortgages for homes or loans for cars, while businesses may invest in new projects or expand their operations. This surge in borrowing can stimulate economic growth by increasing demand for goods and services.However, domestic credit expansion is not without its risks. If credit grows too quickly, it can lead to inflation, as too much money chases too few goods. This situation can erode purchasing power and destabilize the economy. Additionally, excessive lending can create asset bubbles, where the prices of real estate or stocks rise beyond their intrinsic value. When these bubbles burst, they can lead to severe economic downturns, as seen during the 2008 financial crisis.Moreover, domestic credit expansion can also impact income inequality. While some individuals and businesses benefit from increased access to credit, others may find themselves excluded from this financial system. For instance, lower-income households often face higher barriers to obtaining loans, leading to disparities in wealth accumulation. This uneven distribution of credit can exacerbate social tensions and hinder overall economic stability.In conclusion, domestic credit expansion is a crucial element of modern economies. It can drive growth and innovation but also poses significant risks if not managed carefully. Policymakers must strike a balance between encouraging lending to stimulate the economy and ensuring that credit growth does not lead to inflation or financial instability. Understanding the dynamics of domestic credit expansion is essential for navigating the complex landscape of today’s financial systems.

近年来，国内信贷扩张的概念在经济学领域引起了广泛关注。国内信贷扩张是指银行和金融机构向国内个人和企业提供的贷款金额增加。这一现象对经济产生深远影响，影响从消费者支出到商业投资的方方面面。国内信贷扩张的主要驱动因素之一是中央银行的货币政策。当中央银行降低利率时，银行借款变得更便宜。这鼓励银行向消费者和企业提供更多贷款，从而导致整体信贷可用性的增加。因此，人们更有可能申请房屋抵押贷款或汽车贷款，而企业也可能投资于新项目或扩大业务。这种借贷激增可以通过增加对商品和服务的需求来刺激经济增长。然而，国内信贷扩张并非没有风险。如果信贷增长过快，可能会导致通货膨胀，因为太多的钱追逐太少的商品。这种情况可能会侵蚀购买力并使经济不稳定。此外，过度放贷可能导致资产泡沫，即房地产或股票的价格超过其内在价值。当这些泡沫破裂时，可能会导致严重的经济衰退，正如2008年金融危机所示。此外，国内信贷扩张还可能影响收入不平等。虽然一些个人和企业受益于获得信贷的机会增加，但其他人可能会发现自己被排除在这一金融体系之外。例如，低收入家庭通常面临更高的贷款障碍，导致财富积累的不平等。这种信贷的不均匀分配可能加剧社会紧张局势，并阻碍整体经济稳定。总之，国内信贷扩张是现代经济的一个关键要素。它可以推动增长和创新，但如果管理不当，也会带来重大风险。政策制定者必须在鼓励贷款以刺激经济和确保信贷增长不会导致通货膨胀或金融不稳定之间取得平衡。理解国内信贷扩张的动态对于驾驭当今复杂的金融体系至关重要。