金融英语阅读：流动性

时间：2007-04-07 01:38:25

（单词翻译:单击）

Liquidity1 to a bank is a little bit like health to an individual. Figuratively speaking, if a bank has poor liquidity, then it is likely that they will be in the intensive care ward2; in other words insolvent3. Liquidity literally4 refers to the speed in which an asset can be converted into cash. When a company or bank considers putting its' money into liquid assets, it means investing money in money market securities, short term CDs or a savings5 account held at a bank. For banks, this is an account held at the central bank. A bank's investment earnings6 can be severely7 affected8 if they hold too many liquid assets, as the more liquid the asset, the lower the yield tends to be. Some assets that should not be considered as liquid are bonds （including State bonds）, mutual9 funds, stocks and insurance policies.
 流动性对于银行就如同人体的健康。形象地说，如果银行的流动性不佳，那么就可能被关进重病护理病房；换句话说，也就是破产。按字面意思理解，流动性就是指资产转换为现金的速度。当公司或银行考虑将钱变为流动资产时，就意味着将钱投资到金融市场有价证券、短期存单或银行储蓄账户。对银行来说，这是一个在中央银行持有的账户。如果他们持有过多的流动资产，银行的投资所得就会受到严重影响，这是因为流动资产越多，收益就越低。某些不应视为流动资产的有债券（包括国家债券）、共同基金、股票和保单。　

分享到：


点击收听单词发音收听单词发音  

1 liquidity VRXzb     
n.流动性，偿债能力，流动资产
参考例句：
  • The bank has progressively increased its liquidity.银行逐渐地增加其流动资产。
  • The demand for and the supply of credit is closely linked to changes in liquidity.信用的供求和流动资金的变化有密切关系。
2 ward LhbwY     
n.守卫，监护，病房，行政区，由监护人或法院保护的人（尤指儿童）；vt.守护，躲开
参考例句：
  • The hospital has a medical ward and a surgical ward.这家医院有内科病房和外科病房。
  • During the evening picnic,I'll carry a torch to ward off the bugs.傍晚野餐时，我要点根火把，抵挡蚊虫。
3 insolvent wb7zK     
adj.破产的，无偿还能力的
参考例句：
  • They lost orders and were insolvent within weeks.他们失去了订货，几周后就无法偿还债务。
  • The bank was declared insolvent.银行被宣布破产。
4 literally 28Wzv     
adv.照字面意义，逐字地；确实
参考例句：
  • He translated the passage literally.他逐字逐句地翻译这段文字。
  • Sometimes she would not sit down till she was literally faint.有时候，她不走到真正要昏厥了，决不肯坐下来。
5 savings ZjbzGu     
n.存款，储蓄
参考例句：
  • I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
  • By this time he had used up all his savings.到这时，他的存款已全部用完。
6 earnings rrWxJ     
n.工资收人；利润，利益，所得
参考例句：
  • That old man lives on the earnings of his daughter.那个老人靠他女儿的收入维持生活。
  • Last year there was a 20% decrease in his earnings.去年他的收入减少了20%。
7 severely SiCzmk     
adv.严格地；严厉地；非常恶劣地
参考例句：
  • He was severely criticized and removed from his post.他受到了严厉的批评并且被撤了职。
  • He is severely put down for his careless work.他因工作上的粗心大意而受到了严厉的批评。
8 affected TzUzg0     
adj.不自然的，假装的
参考例句：
  • She showed an affected interest in our subject.她假装对我们的课题感到兴趣。
  • His manners are affected.他的态度不自然。
9 mutual eFOxC     
adj.相互的，彼此的；共同的，共有的
参考例句：
  • We must pull together for mutual interest.我们必须为相互的利益而通力合作。
  • Mutual interests tied us together.相互的利害关系把我们联系在一起。

©2005-2010英文阅读网