quantitative credit control

简明释义

贷款数量控制

英英释义

例句

1.During the economic downturn, the government relied on quantitative credit control to stimulate growth.

在经济衰退期间，政府依靠定量信贷控制来刺激增长。

2.The central bank implemented quantitative credit control to manage inflation rates effectively.

中央银行实施了定量信贷控制以有效管理通货膨胀率。

3.Banks are required to comply with quantitative credit control measures to maintain financial stability.

银行需要遵守定量信贷控制措施以维持金融稳定。

4.The effectiveness of quantitative credit control can be observed in the reduction of bad loans.

在不良贷款减少的情况下，可以观察到定量信贷控制的有效性。

5.By adjusting interest rates, the bank uses quantitative credit control to influence borrowing behavior.

通过调整利率，银行利用定量信贷控制来影响借款行为。

作文

In the realm of economics and finance, various tools and strategies are employed by central banks to manage the economy's liquidity and ensure financial stability. One such tool is quantitative credit control, which refers to the methods used by monetary authorities to regulate the amount of credit available in the economy. Essentially, it involves controlling the supply of money and credit to influence economic activity and maintain price stability. This essay will delve into the significance of quantitative credit control and its impact on the economy, as well as its advantages and disadvantages.To begin with, quantitative credit control plays a crucial role in managing inflation and deflation. By adjusting the availability of credit, central banks can either stimulate or cool down economic activity. For instance, during periods of high inflation, a central bank may choose to tighten credit by increasing interest rates, making borrowing more expensive. This discourages spending and investment, effectively reducing the money supply in circulation. Conversely, in times of economic downturn, a central bank might implement measures to increase credit availability, such as lowering interest rates or purchasing government securities, thereby encouraging borrowing and spending to spur economic growth.Moreover, quantitative credit control can influence consumer behavior and business investment decisions. When credit is readily available, consumers are more likely to make large purchases, such as homes and cars, while businesses may invest in expansion or new projects. This increased economic activity can lead to job creation and overall economic growth. However, if credit becomes too accessible, it may lead to excessive borrowing and ultimately contribute to financial crises, as seen in the 2008 financial meltdown.Another important aspect of quantitative credit control is its ability to affect exchange rates. Changes in interest rates can lead to fluctuations in currency values, impacting international trade. A country with higher interest rates may attract foreign investment, leading to an appreciation of its currency. This can make exports more expensive and imports cheaper, affecting the balance of trade. Thus, central banks must carefully consider the implications of their credit control measures on both domestic and global markets.Despite its benefits, quantitative credit control is not without its challenges. One significant drawback is the time lag between implementing credit control measures and observing their effects on the economy. It can take months or even years for changes in interest rates to filter through the economy, making it difficult for policymakers to respond promptly to economic shifts. Additionally, there is the risk of over-reliance on credit control measures, which may lead to a lack of structural reforms needed for long-term economic stability.In conclusion, quantitative credit control is a fundamental tool used by central banks to regulate the economy's credit supply, influencing inflation, consumer behavior, and international trade. While it has proven effective in managing economic fluctuations, it also presents challenges that require careful consideration and timely action. Policymakers must strike a balance between stimulating growth and preventing excessive borrowing to ensure sustainable economic development. As economies continue to evolve, the importance of understanding and effectively implementing quantitative credit control will remain paramount for achieving financial stability and fostering economic prosperity.

在经济和金融领域，各国中央银行采用各种工具和策略来管理经济的流动性，确保金融稳定。其中一种工具是定量信用控制，指的是货币当局用来调节经济中可用信贷数量的方法。它基本上涉及控制货币和信贷的供应，以影响经济活动并维持价格稳定。本文将探讨定量信用控制的重要性及其对经济的影响，以及其优缺点。首先，定量信用控制在管理通货膨胀和通货紧缩方面发挥着至关重要的作用。通过调整信贷的可用性，中央银行可以刺激或冷却经济活动。例如，在高通货膨胀时期，中央银行可能会选择通过提高利率来收紧信贷，使借款变得更加昂贵。这会抑制消费和投资，有效减少流通中的货币供应。相反，在经济衰退时期，中央银行可能会实施措施以增加信贷的可用性，例如降低利率或购买国债，从而鼓励借贷和消费以促进经济增长。此外，定量信用控制还可以影响消费者行为和企业投资决策。当信贷容易获得时，消费者更可能进行大额购买，如房屋和汽车，而企业则可能投资于扩展或新项目。这种经济活动的增加可以导致就业创造和整体经济增长。然而，如果信贷过于容易获得，可能会导致过度借贷，最终促成金融危机，正如2008年金融崩溃所示。定量信用控制的另一个重要方面是其对汇率的影响。利率变化可能导致货币价值波动，影响国际贸易。一个利率较高的国家可能会吸引外国投资，导致其货币升值。这可能使出口变得更加昂贵，而进口则变得便宜，从而影响贸易平衡。因此，中央银行必须仔细考虑其信贷控制措施对国内和全球市场的影响。尽管有其好处，定量信用控制也并非没有挑战。一个显著的缺点是实施信贷控制措施与观察其对经济影响之间存在时间滞后。利率变化可能需要几个月甚至几年才能在经济中产生影响，这使得政策制定者难以及时应对经济变化。此外，过度依赖信贷控制措施的风险也存在，这可能导致缺乏长期经济稳定所需的结构性改革。总之，定量信用控制是中央银行用来调节经济信贷供应的基本工具，影响通货膨胀、消费者行为和国际贸易。尽管它在管理经济波动方面证明了有效，但也带来了需要仔细考虑和及时行动的挑战。政策制定者必须在刺激增长和防止过度借贷之间找到平衡，以确保可持续的经济发展。随着经济的不断演变，理解和有效实施定量信用控制的重要性将继续对实现金融稳定和促进经济繁荣至关重要。