marginal deposit

简明释义

开发信用证的保证金

英英释义

例句

1.In real estate, a marginal deposit 边际存款 might be required to secure a property deal.

在房地产中，可能需要一个边际存款 边际存款来确保交易。

2.Investors often look for opportunities where the marginal deposit 边际存款 can yield higher returns.

投资者通常寻找可以获得更高回报的机会，其中边际存款 边际存款是关键。

3.The bank requires a minimum marginal deposit 边际存款 to open a savings account.

银行要求最低的边际存款 边际存款才能开设储蓄账户。

4.The marginal deposit 边际存款 for the investment fund is set at $1,000.

该投资基金的边际存款 边际存款设置为1000美元。

5.To participate in the auction, bidders must submit a marginal deposit 边际存款 beforehand.

为了参与拍卖，竞标者必须提前提交边际存款 边际存款。

作文

In the field of economics and finance, the term marginal deposit refers to the additional amount of money that a bank requires from a borrower when they are looking to secure a loan. This concept is crucial for understanding how banks manage risk and ensure that they have enough capital to cover potential losses. The idea behind a marginal deposit is to provide a buffer against default, which can occur if a borrower is unable to repay their loan. By requiring a marginal deposit, banks can mitigate their risks and protect their financial stability.When an individual or business approaches a bank for a loan, the bank will assess the borrower's creditworthiness. This assessment involves looking at various factors, including the borrower's credit score, income, and existing debts. Based on this evaluation, the bank may determine that the borrower poses a higher risk than usual. In such cases, the bank may require a marginal deposit as a form of collateral. This deposit acts as a security measure, ensuring that the bank has some level of protection should the borrower fail to make their payments.The amount of the marginal deposit can vary significantly depending on the perceived risk associated with the loan. For instance, a borrower with a strong credit history and stable income may only be required to make a small marginal deposit. Conversely, a borrower with a poor credit score or inconsistent income might be asked to provide a larger deposit. This system helps banks maintain a balance between lending money to individuals and businesses while managing their own risk exposure.Moreover, the concept of marginal deposit extends beyond individual loans. It can also apply to investment portfolios and other financial transactions. For example, when investors engage in margin trading, they are often required to maintain a marginal deposit in their accounts. This deposit serves as a safety net, ensuring that investors have sufficient funds to cover any potential losses resulting from their trades.Understanding the implications of marginal deposit is essential for both borrowers and lenders. For borrowers, it means being prepared to provide additional funds upfront, which can impact their overall financial planning. For lenders, it highlights the importance of assessing risk accurately and setting appropriate requirements for loans. By doing so, banks can continue to lend responsibly while safeguarding their financial health.In conclusion, the term marginal deposit plays a vital role in the financial landscape. It represents a proactive approach to risk management, enabling banks to protect themselves and their clients. As the economy continues to evolve, the need for understanding concepts like marginal deposit will remain paramount for anyone involved in borrowing or lending money. Whether you are a seasoned investor or a first-time homebuyer, grasping the significance of marginal deposit can help you navigate the complexities of financial transactions more effectively.

在经济和金融领域，术语边际存款指的是银行在借款人寻求贷款时所要求的额外资金。这个概念对于理解银行如何管理风险以及确保有足够的资本来覆盖潜在损失至关重要。边际存款的理念是提供一种缓冲，以防止违约，这种情况发生在借款人无法偿还贷款时。通过要求边际存款，银行可以减轻风险并保护其财务稳定性。当个人或企业向银行申请贷款时，银行会评估借款人的信用状况。这一评估涉及多个因素，包括借款人的信用评分、收入和现有债务。根据这一评估，银行可能会判断借款人比通常情况下承担更高的风险。在这种情况下，银行可能会要求提供边际存款作为抵押。这笔存款作为一种安全措施，确保银行在借款人未能按时还款的情况下有一定程度的保护。边际存款的金额可能因贷款相关的风险评估而有显著差异。例如，信用历史良好且收入稳定的借款者可能只需提供少量的边际存款。相反，信用评分较低或收入不稳定的借款者可能被要求提供更大的存款。这一制度帮助银行在向个人和企业放贷的同时，保持自身的风险暴露平衡。此外，边际存款的概念不仅适用于个人贷款，也可以适用于投资组合和其他金融交易。例如，当投资者参与保证金交易时，他们通常需要在账户中维持边际存款。这笔存款作为安全网，确保投资者有足够的资金来覆盖任何可能因交易而产生的损失。理解边际存款的影响对借款人和贷款人都至关重要。对于借款人来说，这意味着要准备好提前提供额外资金，这可能会影响他们的整体财务规划。对于贷款人来说，这突显了准确评估风险和为贷款设定适当要求的重要性。通过这样做，银行可以继续负责任地放贷，同时保护自身的财务健康。总之，术语边际存款在金融领域中发挥着重要作用。它代表了一种积极的风险管理方法，使银行能够保护自己和客户。随着经济的不断发展，理解像边际存款这样的概念对于任何参与借贷的人来说仍将是至关重要的。无论你是经验丰富的投资者还是首次购房者，掌握边际存款的重要性都能帮助你更有效地应对金融交易的复杂性。