financial intermediary

简明释义

金融中介机构

英英释义

A financial intermediary is an entity that acts as a middleman between two parties in a financial transaction, facilitating the flow of funds and providing services such as investment, lending, and risk management.

金融中介是指在金融交易中充当两方之间中介的实体,促进资金流动并提供投资、借贷和风险管理等服务。

例句

1.A bank acts as a financial intermediary 金融中介 by connecting savers with borrowers.

银行作为一个金融中介 金融中介,将储户与借款人连接起来。

2.Venture capital firms are financial intermediaries 金融中介 that invest in startups and emerging businesses.

风险投资公司是投资于初创企业和新兴企业的金融中介 金融中介

3.Insurance companies are also considered financial intermediaries 金融中介 because they pool risks from policyholders.

保险公司也被视为金融中介 金融中介,因为它们从保单持有人那里汇集风险。

4.Investment firms often serve as financial intermediaries 金融中介 that manage assets on behalf of clients.

投资公司通常作为金融中介 金融中介,代表客户管理资产。

5.Credit unions function as financial intermediaries 金融中介, offering loans to their members at lower rates.

信用合作社作为金融中介 金融中介,以更低的利率向其成员提供贷款。

作文

In the world of finance, the term financial intermediary refers to an entity that acts as a middleman between two parties in a financial transaction. These intermediaries play a crucial role in the economy by facilitating the flow of funds from savers to borrowers. They include institutions such as banks, credit unions, insurance companies, and investment firms. By pooling resources from multiple investors, financial intermediaries can provide loans to individuals and businesses that need capital for various purposes, such as purchasing a home, expanding a business, or funding education.The primary function of a financial intermediary is to reduce the transaction costs associated with borrowing and lending. For instance, without these intermediaries, individual lenders would need to assess the creditworthiness of each potential borrower, which can be time-consuming and costly. However, financial intermediaries have established systems and expertise to evaluate risk effectively, allowing them to make informed lending decisions. This not only saves time but also helps to ensure that funds are allocated efficiently in the economy.Another important aspect of financial intermediaries is their ability to provide liquidity to the financial system. Liquidity refers to the ease with which assets can be converted into cash without significantly affecting their price. By offering various financial products, such as savings accounts, certificates of deposit, and money market funds, financial intermediaries allow individuals to access their funds quickly when needed. This liquidity is essential for maintaining consumer confidence and stability in the financial markets.Moreover, financial intermediaries also play a vital role in risk management. They offer various financial instruments, such as insurance policies and derivatives, which help individuals and businesses hedge against potential risks. For example, a farmer may purchase crop insurance through a financial intermediary to protect against the loss of income due to adverse weather conditions. By spreading risk across a large number of clients, financial intermediaries can help mitigate the impact of unforeseen events on individual borrowers.Furthermore, financial intermediaries contribute to the overall economic growth by facilitating investments in productive ventures. When they lend money to businesses, they enable those businesses to invest in new projects, hire employees, and expand operations. This, in turn, creates jobs and stimulates economic activity. The availability of credit provided by financial intermediaries is often a key driver of innovation and entrepreneurship, as it allows startups and small businesses to access the capital they need to bring their ideas to life.In conclusion, the role of financial intermediaries in the economy cannot be overstated. They serve as essential conduits for the flow of funds, helping to bridge the gap between savers and borrowers. By reducing transaction costs, providing liquidity, managing risk, and promoting economic growth, financial intermediaries contribute significantly to the overall health and stability of the financial system. As we continue to navigate an increasingly complex financial landscape, the importance of these entities will only grow, underscoring the need for effective regulation and oversight to ensure their continued success and reliability in serving the needs of the economy.

在金融世界中,术语金融中介指的是在金融交易中充当两方之间中介的实体。这些中介在经济中扮演着至关重要的角色,通过促进资金从储蓄者流向借款者来推动经济发展。它们包括银行、信用合作社、保险公司和投资公司等机构。通过将多个投资者的资源汇集在一起,金融中介可以向需要资金的个人和企业提供贷款,这些资金可用于各种目的,例如购买住房、扩展业务或资助教育。金融中介的主要功能是降低与借贷相关的交易成本。例如,如果没有这些中介,单个贷方就需要评估每个潜在借款人的信用worthiness,这可能既耗时又昂贵。然而,金融中介拥有建立的系统和专业知识,可以有效地评估风险,使他们能够做出明智的贷款决定。这不仅节省了时间,还帮助确保资金在经济中得到高效分配。金融中介的另一个重要方面是其为金融系统提供流动性的能力。流动性是指资产在不显著影响其价格的情况下转换为现金的容易程度。通过提供各种金融产品,例如储蓄账户、定期存款和货币市场基金,金融中介允许个人在需要时快速访问他们的资金。这种流动性对于维持消费者信心和金融市场的稳定至关重要。此外,金融中介还在风险管理中发挥着重要作用。它们提供各种金融工具,例如保险政策和衍生品,帮助个人和企业对冲潜在风险。例如,农民可以通过金融中介购买作物保险,以保护自己免受不利天气条件造成的收入损失。通过将风险分散到大量客户中,金融中介可以帮助缓解不可预见事件对单个借款人的影响。此外,金融中介通过促进对生产性项目的投资,为整体经济增长做出贡献。当它们向企业提供贷款时,能够使这些企业投资于新项目、雇用员工并扩大运营。这反过来又创造了就业机会,刺激了经济活动。金融中介提供的信贷可用性往往是创新和企业家精神的关键驱动因素,因为它使初创企业和小企业能够获得实现其想法所需的资本。总之,金融中介在经济中的角色不可低估。它们作为资金流动的重要通道,帮助弥合储蓄者和借款者之间的差距。通过降低交易成本、提供流动性、管理风险和促进经济增长,金融中介对金融系统的整体健康和稳定做出了重要贡献。随着我们继续应对日益复杂的金融环境,这些实体的重要性只会增加,强调了有效监管和监督的必要性,以确保它们在满足经济需求方面的持续成功和可靠性。

相关单词

intermediary

intermediary详解:怎么读、什么意思、用法