interbank

简明释义

英[ˈɪntəbæŋk]美[ˌɪntərˈbæŋk]

n. 同业银行；国际银行

adj. 管排间的；管束间的

英英释义

单词用法

同义词

反义词

例句

1.Since the crisis broke, interbank lending rates have sometimes been unusually high compared with policy rates.

自从危机爆发以来，银行同业拆放利率有时候不同寻常的比基准利率高出很多。

2.Only when the imagined bad news has been flushed out will interbank markets return to obscurity.

只有当可预见的坏消息都出尽时，银行间拆贷市场才能走出黑暗。

3.Why have banks been paying so much in the interbank market?

银行为什么要在同业市场付出这么多？

4.Many euro-zone corporate and household loans use those interbank rates as a benchmark.

许多欧元区公司和家庭贷款都以银行同业拆息为基准。

5.The rate is considerably lower than the 12-month interbank rate.

该利率低于12个月的银行同业拆借利率。

6.Dollar rates of the London Interbank-Offered rate, known as LIBOR, doubled overnight.

伦敦银行同业拆借利率中美元的利率在一夜之间升了一倍。

7.As pressures rose, interbank lending dried up and central Banks felt they had to step in and lend freely.

随着压力的增加，银行内部资金干涸，而央行认为必须介入，保证自由兑现。

8.Share prices rebounded around the world and frozen interbank lending markets showed some signs of thawing.

全球股票价格开始反弹，冻结的同业拆借市场开始解冻。

9.Because banks lack the liquidity to cover these positions, they must raise it in interbank markets.

Whalen先生认为，因为银行缺乏支付这些产品的流动性，因此它在银行间市场势必被推高。

10.Many financial institutions rely on the interbank 银行间 market for liquidity.

许多金融机构依赖银行间市场获取流动性。

11.The interbank 银行间 lending rate has increased this month.

本月银行间借贷利率上升了。

12.The interbank 银行间 exchange rates fluctuate based on market conditions.

银行间汇率根据市场状况波动。

13.The central bank monitors interbank 银行间 transactions to ensure stability.

中央银行监测银行间交易以确保稳定。

14.In times of crisis, the interbank 银行间 market can freeze.

在危机时期，银行间市场可能会冻结。

作文

The term interbank refers to the network of banks that trade with each other in the money market. This trading is essential for managing liquidity and ensuring that banks can meet their short-term obligations. The interbank market is where banks lend money to one another, usually on a short-term basis, and it plays a crucial role in the overall stability of the financial system. In this essay, I will explore the significance of the interbank market, its functions, and the impact it has on the economy.Firstly, the interbank market facilitates the flow of funds between banks. When a bank has excess reserves, it can lend those funds to another bank that may need additional liquidity. This process helps ensure that all banks have access to the necessary capital to operate effectively. Without the interbank market, banks would struggle to manage their cash flow, potentially leading to financial instability.Secondly, the interbank market is crucial for setting interest rates. The rates at which banks lend to one another are known as the interbank interest rates. These rates serve as benchmarks for other interest rates in the economy, influencing everything from mortgage rates to savings account yields. For example, if the interbank interest rate rises, banks may pass those costs onto consumers, resulting in higher loan rates for individuals and businesses.Additionally, the interbank market plays a vital role in monetary policy implementation. Central banks, such as the Federal Reserve in the United States, use the interbank market to influence the money supply and control inflation. By adjusting the interbank interest rates through open market operations, central banks can either stimulate economic growth or cool down an overheating economy.Moreover, the interbank market contributes to the overall efficiency of the banking system. It allows banks to manage their risk exposure by diversifying their funding sources. For instance, during times of financial stress, banks may rely more heavily on the interbank market to secure short-term funding, thus reducing their reliance on more expensive sources of capital.In conclusion, the interbank market is a fundamental component of the global financial system. It provides a mechanism for banks to manage liquidity, set interest rates, implement monetary policy, and enhance the efficiency of the banking sector. Understanding the workings of the interbank market is essential for anyone interested in finance and economics, as it has far-reaching implications for the economy as a whole. As we continue to navigate the complexities of modern finance, the importance of the interbank market will only grow, underscoring the need for robust regulatory frameworks to ensure its stability and effectiveness.

“interbank”一词指的是在货币市场上相互交易的银行网络。这种交易对于管理流动性和确保银行能够满足其短期义务至关重要。“interbank”市场是银行相互借贷资金的地方，通常是短期的，它在金融系统的整体稳定性中发挥着关键作用。在这篇文章中，我将探讨“interbank”市场的重要性、功能以及它对经济的影响。首先，“interbank”市场促进了银行之间资金的流动。当一家银行有多余的准备金时，它可以将这些资金借给另一家可能需要额外流动性的银行。这个过程有助于确保所有银行都能获得必要的资本，以有效运作。如果没有“interbank”市场，银行将难以管理现金流，可能导致金融不稳定。其次，“interbank”市场对利率的设定至关重要。银行之间相互借贷的利率被称为“interbank”利率。这些利率作为经济中其他利率的基准，影响从抵押贷款利率到储蓄账户收益的方方面面。例如，如果“interbank”利率上升，银行可能会将这些成本转嫁给消费者，从而导致个人和企业的贷款利率上升。此外，“interbank”市场在货币政策实施中也发挥着重要作用。中央银行，如美国的联邦储备系统，通过“interbank”市场来影响货币供应和控制通货膨胀。通过调整“interbank”利率，中央银行可以刺激经济增长或冷却过热的经济。而且，“interbank”市场有助于提高银行系统的整体效率。它允许银行通过多元化融资来源来管理风险敞口。例如，在金融压力时期，银行可能更依赖“interbank”市场来确保短期融资，从而减少对更昂贵资金来源的依赖。总之，“interbank”市场是全球金融系统的基本组成部分。它提供了一种机制，使银行能够管理流动性、设定利率、实施货币政策并增强银行部门的效率。理解“interbank”市场的运作对于任何对金融和经济感兴趣的人来说都是至关重要的，因为它对整个经济具有深远的影响。随着我们继续应对现代金融的复杂性，“interbank”市场的重要性只会增加，这凸显了建立强大监管框架以确保其稳定性和有效性的必要性。