loan-deposit ratio

简明释义

贷款存款比率

英英释义

例句

1.A high loan-deposit ratio can suggest that a bank is aggressively lending money, which may increase risk.

高贷款存款比率可能表明银行正在积极放贷，这可能增加风险。

2.The bank's loan-deposit ratio indicates how much of its deposits are being lent out, which is crucial for assessing liquidity.

银行的贷款存款比率表明其存款中有多少被贷出，这对评估流动性至关重要。

3.A stable loan-deposit ratio indicates a healthy balance between loans and deposits.

稳定的贷款存款比率表明贷款和存款之间的健康平衡。

4.If the loan-deposit ratio exceeds 100%, it means the bank is lending more than it has in deposits.

如果贷款存款比率超过100%，这意味着银行贷出的金额超过了其存款。

5.Regulators often monitor the loan-deposit ratio to ensure banks maintain sufficient reserves.

监管机构通常监控贷款存款比率以确保银行保持足够的储备。

作文

The financial health of a bank is often assessed through various metrics, one of the most significant being the loan-deposit ratio. This ratio measures the proportion of a bank's loans to its total deposits and serves as an essential indicator of liquidity and risk management. A high loan-deposit ratio indicates that a large portion of the bank's deposits is being used for loans, which can suggest aggressive lending practices. Conversely, a low ratio may imply that the bank is not utilizing its deposits effectively, potentially missing out on profitable lending opportunities. Understanding the loan-deposit ratio is crucial for both bank management and customers. For banks, maintaining an optimal ratio is vital for ensuring that they have enough liquidity to meet withdrawal demands from depositors while also maximizing their earnings through interest from loans. If the ratio is too high, it could lead to liquidity issues, especially during economic downturns when borrowers may default on their loans. On the other hand, if the ratio is too low, the bank may not be taking full advantage of the funds available to them, leading to reduced profitability.For customers, the loan-deposit ratio can provide insight into the bank's stability and reliability. A bank with a balanced ratio is likely to be more stable and better positioned to handle economic fluctuations. Customers might feel more secure depositing their money in such a bank, knowing that it has a sensible approach to managing its resources. Moreover, the loan-deposit ratio can vary significantly across different types of banks and financial institutions. For instance, commercial banks typically have higher ratios compared to savings and loans associations, which tend to be more conservative in their lending practices. This variation can be attributed to the different business models and risk appetites of these institutions. In addition, regulators closely monitor the loan-deposit ratio as part of their oversight responsibilities. They set certain thresholds to ensure that banks do not overextend themselves in lending, which could jeopardize the overall financial system. By imposing limits on this ratio, regulators aim to promote stability within the banking sector and protect consumers. In conclusion, the loan-deposit ratio is a critical measure of a bank's financial health and operational strategy. It reflects how well a bank manages its deposits and loans, influencing both its profitability and liquidity. Understanding this ratio helps stakeholders make informed decisions about banking relationships and investments. As the financial landscape continues to evolve, keeping an eye on the loan-deposit ratio will remain essential for assessing the stability and performance of financial institutions.

银行的财务健康状况通常通过各种指标进行评估，其中最重要的一个是贷款存款比率。这个比率衡量的是银行贷款与其总存款的比例，是流动性和风险管理的重要指标。较高的贷款存款比率表明银行的大部分存款用于贷款，这可能暗示着激进的放贷行为。相反，较低的比率可能意味着银行没有有效利用其存款，可能错失了有利可图的贷款机会。理解贷款存款比率对银行管理层和客户都至关重要。对于银行来说，维持一个最佳比率对于确保他们拥有足够的流动性以满足存款人的提款需求，同时通过贷款获得最大的收益是至关重要的。如果比率过高，可能会导致流动性问题，特别是在经济衰退期间，借款人可能会违约。另一方面，如果比率过低，银行可能无法充分利用可用资金，从而导致盈利能力下降。对于客户来说，贷款存款比率可以提供银行稳定性和可靠性的见解。一个比率平衡的银行可能更稳定，更能应对经济波动。客户可能会感到更安心，将他们的钱存入这样的银行，因为他们知道该银行在管理资源方面采取了合理的方法。此外，不同类型的银行和金融机构之间的贷款存款比率可能会显著不同。例如，商业银行的比率通常高于储蓄和贷款协会，后者在放贷实践上更为保守。这种差异可以归因于这些机构不同的商业模式和风险偏好。此外，监管机构密切监测贷款存款比率，作为其监管责任的一部分。他们设定某些阈值，以确保银行不会在放贷上过度扩张，这可能危及整体金融系统。通过对这一比率施加限制，监管机构旨在促进银行业的稳定并保护消费者。总之，贷款存款比率是衡量银行财务健康和运营战略的关键指标。它反映了银行如何管理其存款和贷款，影响其盈利能力和流动性。理解这一比率有助于利益相关者就银行关系和投资做出明智的决策。随着金融环境的不断演变，关注贷款存款比率将继续对评估金融机构的稳定性和表现至关重要。