inter-bank borrowing

简明释义

同业拆借

英英释义

例句

1.Banks often use inter-bank borrowing to cover temporary shortages in their reserves.

银行通常使用银行间借贷来弥补其储备中的临时短缺。

2.The central bank monitors the rates of inter-bank borrowing to ensure liquidity in the financial system.

中央银行监测银行间借贷利率，以确保金融系统的流动性。

3.During times of economic uncertainty, inter-bank borrowing tends to increase as banks seek to manage their cash flow.

在经济不确定时期，银行间借贷银行间借贷往往会增加，因为银行寻求管理其现金流。

4.The inter-bank borrowing market is crucial for banks to meet their short-term funding needs.

银行间借贷市场对于银行满足其短期融资需求至关重要。

5.Changes in the inter-bank borrowing rates can indicate shifts in the overall economy.

银行间借贷利率的变化可以指示整体经济的变化。

作文

In the world of finance, understanding the dynamics of money flow between banks is crucial for grasping the broader economic landscape. One key concept that plays a significant role in this realm is inter-bank borrowing. This term refers to the practice where banks lend to and borrow from one another, typically on a short-term basis, to manage their liquidity and meet reserve requirements set by regulatory authorities. The importance of inter-bank borrowing cannot be overstated, as it serves as a vital mechanism for maintaining stability within the banking system and ensuring that financial institutions can operate smoothly.To understand inter-bank borrowing, we must first consider the structure of the banking system. Banks are required to hold a certain percentage of their deposits as reserves, which are kept in the central bank or as cash on hand. However, the amount of deposits can fluctuate throughout the day due to various factors, such as customer withdrawals or new deposits. When a bank finds itself short on reserves, it can turn to other banks for help. This is where inter-bank borrowing comes into play.For instance, if Bank A has excess reserves and Bank B is short, Bank B can borrow from Bank A for a short period, often overnight. This transaction usually involves an interest rate known as the interbank rate, which is influenced by various factors, including central bank policies and market conditions. The ability to engage in inter-bank borrowing allows banks to manage their liquidity effectively, ensuring they can meet their obligations without having to liquidate assets or incur significant losses.Moreover, inter-bank borrowing plays a critical role in the implementation of monetary policy. Central banks, such as the Federal Reserve in the United States, monitor the interbank lending market closely. By adjusting the interest rates at which banks can borrow from each other, central banks can influence overall economic activity. For example, lowering interest rates can encourage banks to borrow more, increasing the money supply and stimulating economic growth. Conversely, raising rates can have the opposite effect, helping to cool off an overheating economy.The interconnectedness of banks through inter-bank borrowing also highlights the importance of trust and confidence in the financial system. If banks fear that their counterparts may not be able to repay loans, they may become reluctant to lend, leading to a tightening of credit and potentially triggering a financial crisis. This was evident during the 2008 financial crisis when the collapse of major financial institutions led to a freeze in the interbank lending market, exacerbating the economic downturn.In conclusion, inter-bank borrowing is a fundamental aspect of the banking system that facilitates liquidity management, supports monetary policy, and underscores the importance of trust within the financial sector. As we navigate an increasingly complex economic landscape, a solid understanding of how banks interact with one another through inter-bank borrowing will be essential for anyone looking to grasp the intricacies of modern finance. By recognizing the significance of this practice, we can better appreciate the mechanisms that underpin our financial system and the impact they have on the economy as a whole.

在金融世界中，理解银行之间资金流动的动态对于掌握更广泛的经济格局至关重要。一个在这一领域发挥重要作用的关键概念是银行间借贷。这个术语指的是银行相互借贷的做法，通常是短期的，以管理其流动性并满足监管机构设定的储备要求。银行间借贷的重要性不容小觑，因为它作为维护银行系统稳定和确保金融机构顺利运作的关键机制。要理解银行间借贷，我们首先必须考虑银行系统的结构。银行被要求将一定比例的存款作为储备，这些储备通常存放在中央银行或作为现金持有。然而，由于各种因素，例如客户提款或新存款，存款的数量可能会在一天内波动。当一家银行发现自己储备不足时，它可以向其他银行寻求帮助。这就是银行间借贷发挥作用的地方。例如，如果银行A有多余的储备，而银行B则短缺，银行B可以向银行A借款一段短时间，通常是过夜。这笔交易通常涉及一种称为银行间利率的利率，该利率受多种因素的影响，包括中央银行政策和市场条件。进行银行间借贷的能力使银行能够有效地管理其流动性，确保它们能够履行义务，而无需变现资产或遭受重大损失。此外，银行间借贷在货币政策的实施中也发挥着关键作用。中央银行，例如美国的美联储，密切监测银行间借贷市场。通过调整银行相互借贷的利率，中央银行可以影响整体经济活动。例如，降低利率可以鼓励银行借贷更多，从而增加货币供应量并刺激经济增长。相反，提高利率可能产生相反的效果，有助于冷却过热的经济。银行通过银行间借贷的相互关联性也突显了信任和信心在金融系统中的重要性。如果银行担心其同行可能无法偿还贷款，它们可能会不愿意借贷，从而导致信贷紧缩，并可能触发金融危机。这在2008年金融危机期间尤为明显，当时主要金融机构的倒闭导致银行间借贷市场冻结，加剧了经济下滑。总之，银行间借贷是银行系统的一个基本方面，促进流动性管理，支持货币政策，并强调金融部门内信任的重要性。随着我们在日益复杂的经济格局中航行，牢固理解银行如何通过银行间借贷相互互动，将对任何希望掌握现代金融复杂性的个人至关重要。通过认识到这一做法的重要性，我们可以更好地欣赏支撑我们金融系统的机制及其对整体经济的影响。