隔夜Shibor：定义与影响

中文：

隔夜Shibor，全称为上海银行间同业拆放利率，是反映上海银行间市场资金供求状况的重要参考指标。它是银行之间为了弥补临时性的资金缺口，在隔夜时段内进行的同业拆借交易的利率。这一利率的高低直接影响了银行间的资金成本和金融市场的运行。

当隔夜Shibor上升时，意味着银行间市场资金紧张，这通常是由于市场对未来资金需求的预期增强或者短期资金流动性不足导致的。这种情况下，银行间的拆借成本上升，进而可能影响到银行的贷款利率、市场利率等多个方面，对整体金融市场产生连锁反应。

相反，如果隔夜Shibor下降，这通常意味着银行间市场资金相对宽裕，流动性较好。这种情况下，银行的资金成本降低，可能会传导至贷款利率、理财产品收益率等方面，对市场形成利好。

英文：

Overnight Shibor, or Shanghai Interbank Offered Rate, is a crucial reference indicator reflecting the supply and demand of funds in the Shanghai interbank market. It represents the interest rate for overnight interbank lending transactions conducted among banks to cover temporary funding gaps. The level of this interest rate directly impacts the funding costs among banks and the operation of financial markets.

When overnight Shibor rises, it suggests tight liquidity in the interbank market. This is typically due to an increased market expectation for future funding demand or a shortage of short-term liquidity. Under such conditions, the borrowing costs among banks increase, potentially affecting various aspects such as bank loan rates and market interest rates, leading to a knock-on effect on the overall financial market.

Conversely, a decline in overnight Shibor typically indicates relatively ample funds and good liquidity in the interbank market. In such a scenario, the funding costs of banks decrease, potentially translating into lower loan rates, higher returns on wealth management products, and other positive impacts on the market.

中文：

工商银行储蓄卡日均资产，指的是客户在使用工商银行储蓄卡进行资金交易的过程中，其账户内资产在一定时间段内的平均余额。这个时间段通常是一个月，但也可能根据不同的统计需求而有所调整。

日均资产的计算方式是将客户在这段时间内每天账户内的资产余额相加，然后除以这段时间的天数。这个指标对于工商银行来说，是评估客户资产规模、资金流动性和风险水平的重要依据。

对于客户而言，了解自己的储蓄卡日均资产有助于更好地管理个人财务，规划资金使用，以及选择合适的金融产品和服务。同时，工商银行也会根据客户的日均资产情况，提供个性化的金融服务和优惠，以吸引和保持客户。

英文：

The daily average balance of ICBC savings card refers to the average balance of assets in a customer's account over a certain period of time while using the ICBC savings card for fund transactions. This time period is usually one month, but it may vary depending on different statistical needs.

The calculation of the daily average balance involves adding up the asset balances in the customer's account for each day during this period and then dividing it by the number of days. This metric is a crucial basis for ICBC to assess the customer's asset scale, fund liquidity, and risk level.

For customers, understanding their daily average balance of savings card helps them better manage personal finances, plan the use of funds, and select suitable financial products and services. At the same time, ICBC also provides personalized financial services and benefits based on the customer's daily average balance, aiming to attract and retain customers.