流動(dòng)性（Liquidity）

來(lái)源: 編輯： 2009/10/12 09:27:26　　字體：大小

　　Liquidity 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 ward； in other words insolvent. Liquidity literally 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 savings account held at a bank.

　　For banks， this is an account held at the central bank. A bank's investment earnings can be severely affected 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）， mutual funds， stocks and insurance policies.

　　流動(dòng)性對(duì)于銀行就如同人體的健康。形象地說(shuō)，如果銀行的流動(dòng)性不佳，那么就可能被關(guān)進(jìn)重病護(hù)理病房；換句話說(shuō)，也就是破產(chǎn)。按字面意思理解，流動(dòng)性就是指資產(chǎn)轉(zhuǎn)換為現(xiàn)金的速度。當(dāng)公司或銀行考慮將錢變?yōu)榱鲃?dòng)資產(chǎn)時(shí)，就意味著將錢投資到金融市場(chǎng)有價(jià)證券、短期存單或銀行儲(chǔ)蓄賬戶。

　　對(duì)銀行來(lái)說(shuō)，這是一個(gè)在中央銀行持有的賬戶。如果他們持有過(guò)多的流動(dòng)資產(chǎn)，銀行的投資所得就會(huì)受到嚴(yán)重影響，這是因?yàn)榱鲃?dòng)資產(chǎn)越多，收益就越低。某些不應(yīng)視為流動(dòng)資產(chǎn)的有債券（包括國(guó)家債券）、共同基金、股票和保單。

責(zé)任編輯：vivien

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