negotiable certificate of deposit

简明释义

可转让定期存款单

英英释义

例句

1.A negotiable certificate of deposit 可转让存款证 can be sold to another investor before its maturity date.

在到期日前，可以将 可转让存款证 negotiable certificate of deposit 卖给其他投资者。

2.The liquidity of a negotiable certificate of deposit 可转让存款证 makes it an attractive option for short-term investors.

由于 可转让存款证 negotiable certificate of deposit 的流动性，使其成为短期投资者的一个有吸引力的选择。

3.Investors often prefer a negotiable certificate of deposit 可转让存款证 because it offers higher interest rates than traditional savings accounts.

投资者通常更喜欢 可转让存款证 negotiable certificate of deposit，因为它提供的利率高于传统储蓄账户。

4.Banks issue negotiable certificates of deposit 可转让存款证 to attract large deposits from individuals and institutions.

银行发行 可转让存款证 negotiable certificates of deposit 以吸引个人和机构的大额存款。

5.You can use a negotiable certificate of deposit 可转让存款证 as collateral for a loan at your bank.

您可以将 可转让存款证 negotiable certificate of deposit 作为银行贷款的抵押品。

作文

In the world of finance, various instruments are utilized for investment and savings, one of which is the negotiable certificate of deposit. This financial product serves as a time deposit that can be transferred from one party to another. Unlike regular certificates of deposit (CDs), a negotiable certificate of deposit is typically issued in large denominations and can be traded in the secondary market. Understanding this instrument is crucial for both individual investors and institutions looking to manage their cash flow effectively.To begin with, a negotiable certificate of deposit represents a promise by a bank to pay the holder a specified amount of money at a future date, usually with interest. The interest rate on these CDs is often higher than that of traditional savings accounts, making them an attractive option for investors seeking better returns. Moreover, since they are negotiable, they can be sold or transferred before maturity, providing liquidity that standard CDs lack.Investors are drawn to negotiable certificates of deposit for several reasons. Firstly, they offer a relatively secure investment, as they are typically insured by the Federal Deposit Insurance Corporation (FDIC) up to a certain limit. This insurance provides a safety net for investors, ensuring that their principal is protected even if the issuing bank faces financial difficulties. Secondly, the ability to negotiate these certificates allows investors to capitalize on favorable market conditions or changes in interest rates. For example, if interest rates rise after purchasing a negotiable certificate of deposit, an investor may sell it at a premium to another party who wishes to lock in a higher yield.However, there are also risks associated with negotiable certificates of deposit. Since they are often issued in large denominations, they may not be accessible to all investors. Additionally, while they provide higher returns compared to traditional CDs, they generally come with lower liquidity compared to other short-term investments such as Treasury bills or commercial paper. Investors should carefully consider their liquidity needs and risk tolerance before investing in this type of financial instrument.In conclusion, the negotiable certificate of deposit is a valuable tool for investors seeking to optimize their portfolios. With its combination of security, potential for higher returns, and transferability, it stands out as an appealing option in the diverse landscape of financial instruments. As always, prospective investors should conduct thorough research and consult financial advisors to ensure that their investment choices align with their overall financial goals and strategies. Understanding the nuances of products like the negotiable certificate of deposit can empower investors to make informed decisions and navigate the complexities of the financial markets effectively.

在金融领域，各种工具被用于投资和储蓄，其中之一就是可转让存款证。这种金融产品作为一种定期存款，可以从一方转移到另一方。与普通的存款证（CD）不同，可转让存款证通常以大额面值发行，并且可以在二级市场交易。理解这一工具对于个人投资者和希望有效管理现金流的机构至关重要。首先，可转让存款证代表银行向持有人承诺在未来某个日期支付一定金额的资金，通常还包括利息。这些CD的利率通常高于传统储蓄账户，使其成为寻求更好回报的投资者的有吸引力的选择。此外，由于它们是可转让的，因此可以在到期前出售或转让，提供了标准CD所缺乏的流动性。投资者之所以被吸引到可转让存款证，有几个原因。首先，它们提供相对安全的投资，因为它们通常由联邦存款保险公司（FDIC）在一定限额内投保。这项保险为投资者提供了安全网，确保他们的本金在发行银行面临财务困难时受到保护。其次，能够协商这些存款证使投资者能够利用有利的市场条件或利率变化。例如，如果在购买可转让存款证后利率上升，投资者可能会以溢价将其出售给希望锁定更高收益的另一方。然而，可转让存款证也存在风险。由于它们通常以大额面值发行，可能并不适合所有投资者。此外，虽然它们提供的回报高于传统CD，但与其他短期投资（如国库券或商业票据）相比，它们的流动性通常较低。投资者在投资这种金融工具之前，应仔细考虑他们的流动性需求和风险承受能力。总之，可转让存款证是投资者优化投资组合的有价值工具。凭借其安全性、潜在的更高回报和可转让性，它在多样化的金融工具中脱颖而出。与往常一样，潜在投资者应进行彻底的研究并咨询财务顾问，以确保他们的投资选择与整体财务目标和策略相一致。理解像可转让存款证这样的产品的细微差别可以使投资者做出明智的决策，有效地驾驭金融市场的复杂性。