interbank market

简明释义

同业拆借市场

英英释义

例句

1.The interbank market 银行间市场 allows banks to manage their reserves effectively.

在银行间市场中，银行能够有效地管理他们的储备。

2.Banks often borrow from each other in the interbank market 银行间市场 to meet short-term funding needs.

银行通常在银行间市场中相互借款，以满足短期资金需求。

3.During times of financial stress, the interbank market 银行间市场 can become illiquid.

在金融压力时期，银行间市场可能会变得缺乏流动性。

4.The liquidity in the interbank market 银行间市场 is crucial for maintaining stable interest rates.

在银行间市场中，流动性对维持稳定的利率至关重要。

5.Interest rates in the interbank market 银行间市场 can influence consumer loan rates.

在银行间市场中的利率可能影响消费者贷款利率。

作文

The interbank market is a crucial component of the global financial system, acting as a platform where banks lend and borrow funds from one another. This market primarily facilitates liquidity management for financial institutions, enabling them to meet their short-term funding needs. The significance of the interbank market cannot be overstated, as it plays a vital role in maintaining stability within the banking sector and the broader economy.In essence, the interbank market operates on the principles of supply and demand. Banks with excess reserves can lend to those in need of funds, often at competitive interest rates. This borrowing and lending process is typically conducted over very short periods, ranging from overnight loans to a few weeks. The rates at which these transactions occur are known as interbank rates, and they serve as a benchmark for various financial products, including mortgages and corporate loans.One of the most well-known interbank rates is the London Interbank Offered Rate (LIBOR), which has historically been used as a reference point for many financial instruments. However, following scandals and issues related to rate manipulation, regulators have sought alternatives, leading to the development of rates like the Secured Overnight Financing Rate (SOFR) in the United States. These changes highlight the evolving nature of the interbank market and its importance in fostering transparency and trust among financial institutions.The interbank market also serves as a barometer for the overall health of the banking sector. When banks are willing to lend to one another, it indicates confidence in the financial system. Conversely, during times of economic uncertainty, banks may become reluctant to lend, leading to a tightening of credit conditions. This phenomenon was evident during the 2008 financial crisis, where the interbank market experienced significant disruptions, resulting in higher borrowing costs and reduced liquidity.Moreover, the interbank market is not limited to domestic transactions; it also encompasses international dealings. Banks across different countries participate in this market, facilitating foreign exchange transactions and cross-border lending. This interconnectedness underscores the global nature of finance, where events in one region can have ripple effects across the world, impacting liquidity and credit availability.In conclusion, the interbank market is a fundamental aspect of modern banking that supports liquidity management, influences interest rates, and reflects the overall health of the financial system. Understanding its dynamics is essential for anyone looking to grasp the complexities of global finance. As the financial landscape continues to evolve, so too will the interbank market, adapting to new challenges and opportunities that arise in an ever-changing economic environment.

“银行间市场”是全球金融体系的重要组成部分，充当了银行之间借贷资金的平台。这个市场主要为金融机构提供流动性管理，使它们能够满足短期融资需求。“银行间市场”的重要性不容小觑，因为它在维护银行部门及更广泛经济的稳定方面发挥着至关重要的作用。从本质上讲，“银行间市场”根据供求原则运作。拥有多余准备金的银行可以向需要资金的银行放贷，通常以竞争利率进行。这种借贷过程通常是在非常短的时间内进行，从隔夜贷款到几周不等。这些交易发生的利率被称为银行间利率，作为各种金融产品的基准，包括抵押贷款和公司贷款。最著名的银行间利率之一是伦敦银行间拆借利率（LIBOR），历史上一直被用作许多金融工具的参考点。然而，随着丑闻和利率操纵问题的出现，监管机构寻求替代方案，导致美国的担保隔夜融资利率（SOFR）的发展。这些变化突显了“银行间市场”的不断演变及其在促进金融机构之间透明度和信任方面的重要性。“银行间市场”还作为银行部门整体健康状况的晴雨表。当银行愿意相互借贷时，这表明金融系统的信心。相反，在经济不确定时期，银行可能会变得不愿意放贷，导致信贷条件收紧。这一现象在2008年金融危机期间尤为明显，当时“银行间市场”经历了重大干扰，导致借贷成本上升和流动性减少。此外，“银行间市场”不仅限于国内交易；它还包括国际交易。来自不同国家的银行参与这一市场，促进外汇交易和跨境借贷。这种相互关联性强调了金融的全球性质，一个地区的事件可能对世界产生涟漪效应，影响流动性和信贷可用性。总之，“银行间市场”是现代银行业的基本方面，支持流动性管理，影响利率，并反映金融系统的整体健康状况。理解其动态对任何希望掌握全球金融复杂性的人来说都是必不可少的。随着金融环境的不断演变，“银行间市场”也将适应新的挑战和机遇，迎接一个不断变化的经济环境。