average tenor

简明释义

平均品位;

英英释义

例句

1.The bank offers loans with an average tenor 平均期限 of 5 years.

这家银行提供的贷款平均期限为5年。

2.When evaluating credit risk, the average tenor 平均期限 of loans should be considered.

在评估信用风险时，应考虑贷款的平均期限。

3.The average tenor 平均期限 for mortgages has increased over the past decade.

过去十年，抵押贷款的平均期限有所增加。

4.The average tenor 平均期限 of the company’s debt is crucial for assessing its financial health.

公司的债务平均期限对于评估其财务健康至关重要。

5.Investors often look for bonds with an average tenor 平均期限 that matches their investment horizon.

投资者通常寻找与其投资期限相匹配的债券，具有平均期限。

作文

The term average tenor is commonly used in finance, particularly in the context of bonds and loans. It refers to the average length of time until the financial instruments mature or are due for repayment. Understanding the average tenor is crucial for investors and financial analysts, as it helps them assess the risk and return profile of various investment options. For instance, a bond with a longer average tenor typically carries more risk compared to one with a shorter tenor, due to the increased uncertainty over a longer period. This concept can also be applied to loans; a personal loan with an average tenor of five years might have different implications for a borrower's financial planning than a loan with a tenor of one year.In addition to its financial implications, the average tenor can also reflect market conditions. During periods of economic uncertainty, investors may prefer shorter tenors to minimize risk, leading to a decrease in the overall average tenor of new issuances. Conversely, in a stable economic environment, longer tenors might become more attractive, as investors seek higher yields that come with extended commitments.Moreover, the average tenor can influence the pricing of securities. Generally, longer tenors are associated with higher yields, compensating investors for the additional risks they take on. This relationship between tenor and yield is a fundamental principle in fixed-income investing. Therefore, understanding the average tenor not only aids in making informed investment decisions but also helps in anticipating market movements.To illustrate the significance of average tenor, consider the case of two corporate bonds. Bond A has an average tenor of 10 years, while Bond B has an average tenor of 3 years. If both bonds offer similar interest rates, an investor might lean towards Bond B due to the lower risk associated with a shorter tenor. However, if the economic outlook is positive, the investor might reconsider and opt for Bond A, which could provide better returns over time despite its longer duration.The average tenor also plays a role in portfolio management. Investors often strive to create a balanced portfolio that includes a mix of short-term and long-term investments. By doing so, they can manage liquidity needs while also taking advantage of potential higher returns from longer-tenor assets. Consequently, the average tenor becomes a vital component in strategic asset allocation.In conclusion, the concept of average tenor extends beyond mere numbers; it encompasses risk assessment, market dynamics, and investment strategies. Whether one is an individual investor or a financial institution, grasping the implications of average tenor can lead to more informed decision-making and ultimately better financial outcomes. As the financial landscape continues to evolve, keeping an eye on the average tenor of investments will remain essential for navigating the complexities of the market effectively.

术语average tenor通常用于金融领域，特别是在债券和贷款的上下文中。它指的是金融工具到期或需偿还的平均时间长度。理解average tenor对于投资者和金融分析师至关重要，因为它帮助他们评估各种投资选项的风险和回报特征。例如，一只具有较长average tenor的债券通常比一只短期债券承担更多风险，因为在较长的时间内存在更多的不确定性。这个概念也可以应用于贷款；一笔average tenor为五年的个人贷款可能对借款人的财务规划有不同的影响，与一笔为期一年的贷款相比。除了其金融含义外，average tenor还可以反映市场状况。在经济不确定时期，投资者可能更倾向于选择短期债务以降低风险，从而导致新发行的总体average tenor下降。相反，在经济环境稳定的情况下，较长的average tenor可能变得更具吸引力，因为投资者寻求更高的收益，这伴随着更长的承诺。此外，average tenor还会影响证券的定价。通常，较长的average tenor与较高的收益相关，以补偿投资者所承担的额外风险。这种期限与收益之间的关系是固定收益投资中的基本原则。因此，理解average tenor不仅有助于做出明智的投资决策，还能帮助预测市场动向。为了说明average tenor的重要性，考虑两个公司债券的案例。债券A的average tenor为10年，而债券B的average tenor为3年。如果这两只债券提供类似的利率，投资者可能会倾向于选择债券B，因为短期债务的风险较低。然而，如果经济前景乐观，投资者可能会重新考虑，选择债券A，尽管其期限较长，但可能在时间上提供更好的回报。average tenor还在投资组合管理中发挥作用。投资者通常努力创建一个平衡的投资组合，其中包括短期和长期投资的组合。通过这样做，他们可以管理流动性需求，同时利用来自长期资产的潜在更高回报。因此，average tenor成为战略资产配置中的一个重要组成部分。总之，average tenor的概念超越了简单的数字；它涵盖了风险评估、市场动态和投资策略。无论是个人投资者还是金融机构，掌握average tenor的含义都能导致更明智的决策，最终实现更好的财务结果。随着金融格局的不断演变，关注投资的average tenor将始终是有效导航市场复杂性的关键。