rediscount

简明释义

英[riːdɪsˈkaʊnt]美[ˌridɪsˈkaʊnt]

n. 再折扣；重贴现票据

vt. 再打折扣；重贴现

第 三 人 称 单 数 r e d i s c o u n t s

现 在 分 词 r e d i s c o u n t i n g

过 去 式 r e d i s c o u n t e d

过 去 分 词 r e d i s c o u n t e d

英英释义

单词用法

同义词

反义词

例句

1.Lowering the deposit interest rates and re-lending rates (see Table 3) of People's Bank of China to the reserves of the financial institutions, while the current rediscount rates remain unchanged.

降低中国人民银行对金融机构的准备金存款利率、再贷款利率(具体水平见附表3)，再贴现利率保持不变。

2.Eskblishing regional financial institution and special bank for the west development working out regional policy for credit and loan and developing rediscount business;

设立区域性金融机构；设立西部开发银行。在中观方面应制订区域信贷政策；拓展再贴现业务；

3.Interest has been decreased successively, deposited reserve has also been lowered, and rediscount and reloan from PBC has been enlarged, etc.

如连续降低存贷款利率，调低商业银行存款准备金率，灵活运用窗口指导政策、扩大再贴现和中央银行再贷款规模等。

4.Lowering the deposit interest rates and re-lending rates (see Table 3) of People's Bank of China to the reserves of the financial institutions, while the current rediscount rates remain unchanged.

降低中国人民银行对金融机构的准备金存款利率、再贷款利率(具体水平见附表3)，再贴现利率保持不变。

5.Banks could rediscount the bills with the ECB but they would not do so as long as they earned more on the bills than on the cash.

银行可以拿这些国债与欧洲央行进行再贴现，但只要这些国债的收益比现金高，它们就不会这样做。

6.On one valve especially they all concentrate: the valve labeled "central bank rediscount rate," which we have already seen in action.

他们将力量特别集中于一个阀门：标示为“央行再贴现率”的阀门。现在，这个阀门已经启动。

7.The bank decided to rediscount the commercial paper to improve its liquidity.

银行决定再贴现商业票据以改善其流动性。

8.In times of economic downturn, financial institutions often rediscount loans to maintain cash flow.

在经济衰退时期，金融机构通常会再贴现贷款以维持现金流。

9.The central bank announced it would rediscount eligible securities to support the market.

中央银行宣布将对符合条件的证券进行再贴现以支持市场。

10.Businesses may seek to rediscount their receivables to access immediate funds.

企业可能寻求再贴现应收账款以获取即时资金。

11.The finance manager explained how to rediscount notes to optimize the company's cash position.

财务经理解释了如何再贴现票据以优化公司的现金状况。

作文

In the world of finance and banking, various terms and concepts play a crucial role in understanding how money flows within the economy. One such term is rediscount, which refers to the process by which financial institutions, particularly banks, can obtain liquidity by selling their existing discounted bills or notes back to the central bank. This mechanism is essential for ensuring that banks maintain adequate cash reserves and can meet the demands of their customers. Understanding the concept of rediscount is vital for anyone involved in financial management or banking operations. To grasp the significance of rediscount, it is important to first understand what discounting means in this context. When a bank provides a loan or accepts a bill of exchange, it often does so at a discount, meaning that the borrower receives less than the face value of the loan or bill. The difference between the face value and the amount received is the bank's profit or interest. However, as time progresses, banks may need additional cash flow to meet withdrawal demands or to fund new loans. This is where rediscount comes into play. When a bank has discounted bills or notes, it can approach the central bank to rediscount these instruments. By doing so, the bank sells the discounted bills back to the central bank at a price that reflects the remaining time until maturity. This transaction allows the bank to receive immediate cash, thus improving its liquidity position. The central bank, in turn, uses this process to control the money supply and stabilize the financial system. The practice of rediscount is particularly relevant during times of economic uncertainty or financial stress. For instance, during a recession, banks may find themselves with an increased number of non-performing loans and reduced demand for credit. In such scenarios, the ability to rediscount their discounted bills becomes a critical tool for maintaining stability. It ensures that banks can continue to operate smoothly without facing a liquidity crisis that could lead to insolvency. Moreover, the rediscount rate set by the central bank serves as a benchmark for other interest rates in the economy. When the central bank lowers the rediscount rate, it encourages banks to borrow more, thereby increasing the money supply and stimulating economic growth. Conversely, raising the rediscount rate can help curb inflation by discouraging borrowing and spending. In conclusion, the concept of rediscount is an integral part of the banking and financial system. It provides banks with a mechanism to manage their liquidity effectively while also serving as a tool for central banks to influence monetary policy. Understanding rediscount not only helps individuals comprehend how banks operate but also sheds light on the broader economic implications of financial transactions. As we navigate through different economic cycles, the role of rediscount will remain significant in ensuring the stability and efficiency of our financial systems.

在金融和银行的世界中，各种术语和概念在理解资金如何在经济中流动方面发挥着至关重要的作用。其中一个术语是再贴现，它指的是金融机构，特别是银行，通过将其已折扣的票据或汇票出售回中央银行来获得流动性的过程。这一机制对于确保银行维持足够的现金储备并满足客户需求至关重要。理解再贴现的概念对任何参与财务管理或银行业务的人来说都是至关重要的。 要掌握再贴现的重要性，首先需要了解在此背景下折扣的含义。当银行提供贷款或接受汇票时，通常会以折扣的方式进行，这意味着借款人收到的金额低于贷款或汇票的面值。面值与收到金额之间的差额就是银行的利润或利息。然而，随着时间的推移，银行可能需要额外的现金流来满足提款需求或资助新贷款。这就是再贴现发挥作用的地方。 当银行拥有折扣的票据或汇票时，可以向中央银行申请再贴现这些工具。通过这样做，银行将折扣票据卖回中央银行，价格反映了到期前的剩余时间。这笔交易使银行能够立即获得现金，从而改善其流动性状况。中央银行则利用这一过程来控制货币供应，稳定金融系统。 再贴现的做法在经济不确定或金融压力时期尤为相关。例如，在经济衰退期间，银行可能会发现不良贷款数量增加，而信贷需求减少。在这种情况下，能够对其折扣票据进行再贴现成为维护稳定的关键工具。它确保银行能够继续顺利运营，而不会面临可能导致破产的流动性危机。 此外，中央银行设定的再贴现利率作为经济中其他利率的基准。当中央银行降低再贴现利率时，它鼓励银行借入更多资金，从而增加货币供应，刺激经济增长。相反，提高再贴现利率可以通过抑制借贷和消费来帮助遏制通货膨胀。 总之，再贴现的概念是银行和金融系统不可或缺的一部分。它为银行有效管理流动性提供了一种机制，同时也是中央银行影响货币政策的工具。理解再贴现不仅有助于个人理解银行的运作，还揭示了金融交易的更广泛经济影响。在我们经历不同经济周期的过程中，再贴现的作用将在确保我们金融系统的稳定和效率方面保持重要。