reserve balance; reserve margin

简明释义

准备金余额

英英释义

例句

1.I was relieved to see that my reserve balance was sufficient for the emergency repairs.

看到我的备用余额足够应急维修时，我松了一口气。

2.The company maintains a healthy reserve margin to safeguard against unexpected expenses.

公司保持健康的储备余量以防范意外支出。

3.Investors often look at the reserve margin of a company to assess its financial stability.

投资者通常会查看公司的储备余量以评估其财务稳定性。

4.Before making a large purchase, I checked my reserve balance to ensure I had enough funds available.

在进行大额购买之前，我检查了我的备用余额以确保我有足够的资金可用。

5.My bank offers an interest rate on reserve balances that helps grow my savings.

我的银行对备用余额提供利率，帮助我增加储蓄。

作文

In the world of finance and economics, understanding key concepts such as reserve balance and reserve margin is crucial for both individuals and businesses. A reserve balance refers to the amount of funds that an institution or individual keeps on hand to meet unexpected expenses or obligations. This is essential for maintaining liquidity and ensuring that one can respond to financial emergencies without resorting to high-interest loans or other unfavorable options. For instance, a business might maintain a reserve balance to cover payroll during slow sales periods or to invest in opportunities that arise unexpectedly.On the other hand, the term reserve margin is often used in the context of energy production and utility management. It represents the difference between the available capacity of a power system and the peak demand it must meet. The reserve margin is critical for ensuring that there is enough power available to handle unexpected spikes in demand or outages in generation capacity. Utilities strive to maintain an adequate reserve margin to avoid blackouts and ensure reliability in their services.Both concepts highlight the importance of preparedness and risk management in different sectors. For individuals, maintaining a healthy reserve balance can be the difference between financial stability and crisis. It allows for flexibility in personal finances, enabling one to navigate through life's uncertainties with greater ease. Similarly, for energy providers, having a sufficient reserve margin is vital for operational stability and customer satisfaction.In practical terms, how does one determine the appropriate levels of reserve balance and reserve margin? For individuals, financial advisors often recommend saving at least three to six months’ worth of living expenses as a reserve balance. This guideline helps ensure that one can cover essential costs during periods of unemployment or unexpected expenses, thus providing peace of mind.For utilities, the calculation of reserve margin involves analyzing historical demand data, forecasting future consumption trends, and considering factors such as weather patterns and economic growth. A typical reserve margin target might range from 10% to 20%, depending on the reliability of the power sources and the regulatory environment.In conclusion, both reserve balance and reserve margin serve as fundamental principles in their respective fields. They embody the idea of being prepared for the unexpected and managing risks effectively. By understanding and applying these concepts, individuals can achieve greater financial security, while businesses and utilities can ensure operational efficiency and reliability. Ultimately, whether in personal finance or energy management, the ability to maintain a healthy reserve balance and a robust reserve margin is essential for long-term success and stability.

在金融和经济的世界中，理解关键概念如储备余额和储备余量对于个人和企业都是至关重要的。储备余额指的是机构或个人为应对意外支出或义务而保留的资金数量。这对于维持流动性至关重要，并确保能够应对财务紧急情况，而不必诉诸高利贷或其他不利选择。例如，企业可能会维持储备余额以在销售低迷时期支付工资，或者投资于意外出现的机会。另一方面，术语储备余量通常用于能源生产和公用事业管理的背景下。它代表了电力系统的可用容量与必须满足的峰值需求之间的差额。储备余量对于确保有足够的电力来应对意外的需求激增或发电能力的故障至关重要。公用事业公司努力维持足够的储备余量，以避免停电并确保服务的可靠性。这两个概念都突显了在不同领域中准备和风险管理的重要性。对于个人而言，维持健康的储备余额可能是财务稳定与危机之间的区别。它允许个人在面对生活的不确定性时拥有更大的灵活性。同样，对于能源供应商而言，拥有足够的储备余量对于运营稳定性和客户满意度至关重要。在实际操作中，如何确定适当的储备余额和储备余量水平？对于个人，财务顾问通常建议储蓄至少三到六个月的生活费用作为储备余额。这一指导方针有助于确保在失业或意外支出期间能够覆盖基本费用，从而提供内心的安宁。对于公用事业公司，储备余量的计算涉及分析历史需求数据、预测未来消费趋势，并考虑天气模式和经济增长等因素。典型的储备余量目标可能在10%到20%之间，具体取决于电源的可靠性和监管环境。总之，储备余额和储备余量在各自领域中都作为基本原则。它们体现了为意外情况做好准备和有效管理风险的理念。通过理解和应用这些概念，个人可以实现更大的财务安全，而企业和公用事业则可以确保运营效率和可靠性。最终，无论是在个人财务还是能源管理中，保持健康的储备余额和强大的储备余量的能力对于长期成功和稳定至关重要。