bank's call loan

简明释义

银行同行拆借

英英释义

例句

1.The interest rates on bank's call loans are usually higher than traditional loans.

银行的随叫贷款的利率通常高于传统贷款。

2.A bank's call loan can be a flexible option for companies with fluctuating revenues.

银行的随叫贷款可以成为收入波动的公司灵活的选择。

3.The company relied on a bank's call loan to meet its short-term cash flow needs.

公司依赖于银行的随叫贷款来满足其短期现金流需求。

4.To manage seasonal expenses, the retailer opted for a bank's call loan.

为了管理季节性支出，零售商选择了银行的随叫贷款。

5.During the financial crisis, many businesses turned to bank's call loans for immediate funding.

在金融危机期间，许多企业转向银行的随叫贷款以获得即时资金。

作文

In the world of finance, understanding various lending mechanisms is crucial for both individuals and businesses. One such mechanism that plays a significant role in short-term financing is the bank's call loan. A bank's call loan is a type of loan that can be demanded by the lender at any time, which means that the borrower must repay the loan upon request. This characteristic makes it distinct from traditional loans that have a fixed repayment schedule. The flexibility of a bank's call loan can be advantageous for borrowers who need quick access to funds without the long-term commitment associated with other types of loans.The primary purpose of a bank's call loan is to provide liquidity. For example, financial institutions often use these loans to manage their short-term funding needs. They can borrow money quickly to cover unexpected expenses or to take advantage of investment opportunities that require immediate capital. This immediacy is what makes a bank's call loan an attractive option for many banks and financial entities.However, while the benefits are clear, there are also risks involved with a bank's call loan. Since the lender can demand repayment at any time, borrowers must ensure they have sufficient liquidity to meet these demands. Failure to repay a bank's call loan on time can lead to financial strain, including potential penalties and damage to the borrower’s credit rating. Therefore, it is essential for borrowers to carefully assess their financial situation before entering into this type of agreement.Moreover, the interest rates on bank's call loans can vary significantly based on market conditions. Typically, these loans have higher interest rates compared to traditional loans due to the increased risk taken by the lender. Borrowers should be aware of these rates and consider whether the terms of a bank's call loan align with their financial goals.In conclusion, a bank's call loan serves as a valuable tool in the financial landscape, offering flexibility and quick access to funds. However, it is imperative for borrowers to understand the implications of such loans, including the potential for sudden repayment demands and fluctuating interest rates. By weighing the pros and cons, individuals and businesses can make informed decisions about whether a bank's call loan is the right choice for their financial needs. Ultimately, knowledge and careful planning are key to successfully navigating the complexities of borrowing in today's financial environment.

在金融世界中，理解各种借贷机制对个人和企业都至关重要。其中一种在短期融资中起着重要作用的机制是银行的随叫贷款。银行的随叫贷款是一种贷款，贷方可以随时要求偿还，这意味着借款人必须在请求时偿还贷款。这一特性使其与具有固定还款计划的传统贷款有所不同。银行的随叫贷款的灵活性对于需要快速获得资金而不需要长期承诺的借款人来说是有利的。银行的随叫贷款的主要目的是提供流动性。例如，金融机构通常使用这些贷款来管理其短期资金需求。它们可以快速借款以应对意外支出或利用需要立即资本的投资机会。这种及时性使得银行的随叫贷款成为许多银行和金融实体的一个有吸引力的选择。然而，尽管好处显而易见，但银行的随叫贷款也存在风险。由于贷方可以随时要求偿还，借款人必须确保他们有足够的流动性来满足这些要求。未能按时偿还银行的随叫贷款可能会导致财务压力，包括潜在的罚款和对借款人信用评级的损害。因此，借款人在签订此类协议之前，必须仔细评估自己的财务状况。此外，银行的随叫贷款的利率可能会根据市场条件显著变化。通常，由于贷方承担的风险增加，这些贷款的利率比传统贷款高。借款人应当了解这些利率，并考虑银行的随叫贷款的条款是否与他们的财务目标一致。总之，银行的随叫贷款作为金融领域中的一种有价值的工具，提供了灵活性和快速获取资金的机会。然而，借款人必须理解此类贷款的影响，包括突然的还款要求和波动的利率。通过权衡利弊，个人和企业可以就银行的随叫贷款是否适合其财务需求做出明智的决定。最终，知识和周密的规划是成功驾驭当今金融环境中借贷复杂性的关键。