free reserves

简明释义

自由准备，自由准备金

英英释义

例句

1.Investors are looking for companies with high free reserves 自由储备 to ensure financial stability.

投资者正在寻找拥有高自由储备的公司，以确保财务稳定性。

2.A higher level of free reserves 自由储备 can provide a buffer during economic downturns.

更高水平的自由储备可以在经济下滑时提供缓冲。

3.The company's free reserves 自由储备 allow it to invest in new projects without taking on debt.

公司的自由储备使其能够在不承担债务的情况下投资新项目。

4.The bank reported that its free reserves 自由储备 have increased significantly this quarter.

银行报告称其自由储备在本季度显著增加。

5.During the audit, it was found that the free reserves 自由储备 were not properly accounted for.

在审计中发现，自由储备没有得到妥善核算。

作文

In the world of finance and banking, the term free reserves refers to the portion of a bank's reserves that are not required to be held as mandatory reserves by regulatory authorities. These reserves can be used for various purposes, such as lending, investing, or covering unexpected losses. Understanding free reserves is crucial for both financial institutions and investors, as it provides insight into a bank's liquidity position and its ability to generate profits. To begin with, let us explore what constitutes free reserves. Banks are required by law to maintain a certain percentage of their deposits as reserves, which are held either in cash or as deposits with the central bank. This requirement ensures that banks have enough liquidity to meet withdrawal demands from customers. However, any amount held above this required reserve is considered free reserves. For instance, if a bank has total deposits of $100 million and is mandated to keep 10% as reserves, it must hold $10 million in mandatory reserves. If the bank actually holds $15 million, then the additional $5 million is classified as free reserves.The significance of free reserves cannot be overstated. They represent a buffer that banks can utilize to manage their operations more effectively. When economic conditions are favorable, banks can leverage these reserves to extend more loans, thereby increasing their interest income. Conversely, during economic downturns, free reserves provide a safety net that helps banks absorb losses without jeopardizing their financial stability. This flexibility is vital for maintaining confidence among depositors and investors alike.Moreover, free reserves play a pivotal role in monetary policy. Central banks monitor the levels of free reserves in the banking system to gauge liquidity conditions and implement appropriate policy measures. For example, if free reserves are high, it may indicate that banks are not lending enough, prompting the central bank to lower interest rates to encourage borrowing. On the other hand, if free reserves are low, it may signal that banks are overextending themselves, leading to tighter monetary policy to prevent inflation.Investors also pay close attention to free reserves when evaluating the financial health of banks. A bank with a substantial amount of free reserves is often seen as more stable and capable of weathering economic storms. It indicates that the bank has the capacity to fund new projects, expand its operations, and return capital to shareholders through dividends or stock buybacks. Conversely, a bank with minimal free reserves may be perceived as risky, as it could struggle to meet its obligations during times of financial stress.In conclusion, free reserves are an essential component of a bank's financial structure, representing the excess reserves that can be utilized for various strategic purposes. They provide banks with the flexibility to manage liquidity, respond to economic changes, and maintain investor confidence. Understanding the dynamics of free reserves is vital for anyone involved in the financial sector, as it impacts not only the operations of banks but also the broader economy. As we navigate through increasingly complex financial landscapes, the importance of free reserves will continue to grow, making it imperative for stakeholders to grasp their implications thoroughly.

在金融和银行领域，术语自由储备指的是银行的储备中不需要由监管机构强制保留的部分。这些储备可以用于多种目的，例如贷款、投资或覆盖意外损失。理解自由储备对金融机构和投资者至关重要，因为它提供了有关银行流动性状况及其盈利能力的洞察。首先，让我们探讨什么构成自由储备。银行根据法律要求必须将一定比例的存款作为储备，这些储备可以以现金形式或作为中央银行的存款形式持有。这一要求确保银行有足够的流动性来满足客户的提款需求。然而，任何超过这一强制储备的金额都被视为自由储备。例如，如果一家银行的总存款为1亿美元，法律规定其必须保持10%作为储备，则它必须持有1000万美元的强制储备。如果该银行实际上持有1500万美元，那么额外的500万美元就被归类为自由储备。自由储备的重要性不容小觑。它们代表了银行可以利用的缓冲，以更有效地管理其运营。当经济条件良好时，银行可以利用这些储备发放更多贷款，从而增加利息收入。相反，在经济低迷时期，自由储备提供了一个安全网，帮助银行吸收损失，而不会危及其财务稳定。这种灵活性对于维护存款人和投资者之间的信心至关重要。此外，自由储备在货币政策中发挥着关键作用。中央银行监测银行系统中自由储备的水平，以评估流动性状况并实施适当的政策措施。例如，如果自由储备较高，可能表明银行贷款不足，促使中央银行降低利率以鼓励借贷。另一方面，如果自由储备较低，可能会表明银行过度扩张，导致货币政策收紧以防止通货膨胀。投资者在评估银行的财务健康状况时也密切关注自由储备。拥有大量自由储备的银行通常被视为更稳定，能够应对经济风暴。这表明银行有能力资助新项目、扩展其业务，并通过分红或股票回购向股东返还资本。相反，拥有最小自由储备的银行可能被视为风险较大，因为在金融压力时期，它可能难以履行义务。总之，自由储备是银行财务结构的重要组成部分，代表了可以用于各种战略目的的多余储备。它们为银行提供了管理流动性、应对经济变化和维持投资者信心的灵活性。理解自由储备的动态对任何参与金融行业的人来说都是至关重要的，因为它不仅影响银行的运营，还影响更广泛的经济。随着我们在日益复杂的金融环境中航行，自由储备的重要性将继续增长，使利益相关者必须彻底掌握其影响。