经济学人常用术语 | banks 银行

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banks
银行

Institutions at the heart of the financial system. Commercial banks take in deposits and make loans, thereby creating money. In a crisis, banks may cease lending (or insist on the repayment of past loans) causing immense economic damage. Investment banks advise on transactions such as acquisitions and make markets in financial assets such as bonds and shares. Many institutions act as both commercial and investment banks.
金融体系的核心机构。商业银行吸收存款并发放贷款,从而创造货币。在危机中,银行可能会停止放贷(或坚持要求偿还过去的贷款),从而造成巨大的经济损失。投资银行为收购等交易提供咨询,并为债券和股票等金融资产做市。许多机构既是商业银行又是投资银行。