current account

简明释义

往来账

英英释义

例句

1.I need to transfer money from my current account to my savings account.

我需要把钱从我的活期账户转到我的储蓄账户。

2.You can easily check your balance online through your current account portal.

你可以通过你的活期账户门户轻松查看余额。

3.Many people prefer to keep their salary in a current account for easy access.

许多人喜欢将工资存入活期账户以便于取用。

4.My bank offers a free debit card with every current account.

我的银行为每个活期账户提供免费的借记卡。

5.You can set up direct debits from your current account for regular payments.

你可以从你的活期账户设置定期付款的直接借记。

作文

The term current account refers to a key component of a country's balance of payments, which records all transactions between residents and non-residents over a specific period. The current account includes trade in goods and services, net income from abroad, and current transfers. Understanding the current account is crucial for analyzing a nation's economic health and its relationship with the rest of the world.In the realm of international economics, the current account serves as a barometer for a country’s economic performance. A positive current account balance indicates that a country exports more than it imports, which is often seen as a sign of economic strength. Conversely, a negative balance suggests that a country is importing more than it is exporting, which can lead to concerns about debt and economic sustainability.For instance, consider a country with a thriving export sector, such as Germany. Its current account is usually in surplus due to its strong manufacturing base and demand for its products worldwide. This surplus not only reflects robust economic activity but also helps to strengthen the national currency. In contrast, a country like the United States has often run a deficit in its current account, leading to debates about the long-term viability of such an economic model.The components of the current account are vital for understanding how money flows in and out of a country. The trade balance, which is the difference between exports and imports of goods and services, is the most significant part of the current account. A country that consistently runs a trade surplus may accumulate foreign reserves, which can be used to stabilize its currency or invest abroad.Another important aspect of the current account is net income from abroad, which includes wages, interest, dividends, and profits earned by residents from investments in foreign countries, minus similar payments made to foreign investors within the domestic economy. This component can significantly impact the current account balance, particularly for countries with substantial overseas investments.Current transfers, such as remittances sent home by expatriates, are also included in the current account. Countries that receive significant remittances often benefit from an improved current account balance, as these funds contribute positively to the economy without being tied to the exchange of goods or services.Monitoring the current account is essential for policymakers. A persistent deficit may lead to adjustments in monetary policy, currency valuation, and trade regulations. For example, if a country recognizes that its current account deficit is unsustainable, it may take steps to devalue its currency, making exports cheaper and imports more expensive, thus encouraging domestic consumption of local goods.In conclusion, the current account is a fundamental element of economic analysis that provides insight into a country's financial interactions with the world. By examining the current account, economists and policymakers can better understand the strengths and weaknesses of their economies and make informed decisions that promote sustainable growth. As global trade continues to evolve, the importance of maintaining a balanced current account cannot be overstated, as it plays a crucial role in ensuring economic stability and prosperity.

术语current account指的是一个国家国际收支的关键组成部分，记录了在特定时期内居民与非居民之间的所有交易。current account包括商品和服务的贸易、来自国外的净收入以及当前转移。理解current account对于分析一个国家的经济健康状况及其与世界其他地区的关系至关重要。在国际经济领域，current account作为一个国家经济表现的晴雨表。正的current account余额表明一个国家的出口超过进口，这通常被视为经济强劲的标志。相反，负余额则表明一个国家的进口超过出口，这可能引发对债务和经济可持续性的担忧。例如，考虑一个如德国这样的国家，其出口部门蓬勃发展。由于强大的制造业基础和全球对其产品的需求，其current account通常处于盈余状态。这种盈余不仅反映了强劲的经济活动，还有助于增强国家货币的价值。相比之下，美国的current account常常出现赤字，引发关于这种经济模式长期可行性的辩论。current account的组成部分对于理解资金如何流入和流出一个国家至关重要。贸易余额，即商品和服务的出口与进口之间的差额，是current account中最重要的部分。一个持续保持贸易顺差的国家可能会积累外汇储备，这可以用来稳定其货币或进行海外投资。current account的另一个重要方面是来自国外的净收入，包括居民在外国投资中获得的工资、利息、股息和利润，减去在国内经济中支付给外国投资者的类似款项。这个组成部分可以显著影响current account的余额，特别是对于拥有大量海外投资的国家。当前转移，例如外籍人士寄回家的汇款，也包含在current account中。接收大量汇款的国家通常会从改善的current account余额中受益，因为这些资金对经济有积极贡献，而不涉及商品或服务的交换。监测current account对政策制定者至关重要。持续的赤字可能导致货币政策、货币估值和贸易法规的调整。例如，如果一个国家意识到其current account赤字不可持续，它可能会采取措施贬值其货币，使出口变得更便宜，进口更昂贵，从而鼓励国内消费本地商品。总之，current account是经济分析的基本要素，提供了对一个国家与世界金融互动的洞察。通过审视current account，经济学家和政策制定者可以更好地理解其经济的强项和弱点，并做出促进可持续增长的明智决策。随着全球贸易的不断演变，保持平衡的current account的重要性不容小觑，因为它在确保经济稳定和繁荣中发挥着至关重要的作用。