total reserve; aggregate reserve

简明释义

总准备，总准备金

英英释义

例句

1.The bank reported a significant increase in its total reserve 总储备 to meet regulatory requirements.

银行报告其总储备 总储备显著增加，以满足监管要求。

2.Investors are concerned about the aggregate reserve 综合储备 of the company as it impacts future liquidity.

投资者对公司的综合储备 综合储备感到担忧，因为这会影响未来的流动性。

3.The total reserve 总储备 of the central bank is crucial for maintaining economic stability.

中央银行的总储备 总储备对于维护经济稳定至关重要。

4.During the audit, the accountant verified the total reserve 总储备 of assets listed on the balance sheet.

在审计过程中，会计师核实了资产负债表上列出的总储备 总储备。

5.A higher aggregate reserve 综合储备 indicates better financial health for businesses.

更高的综合储备 综合储备表明企业的财务状况更好。

作文

In the world of finance and economics, understanding various terminologies is crucial for making informed decisions. One such term is total reserve, which refers to the total amount of assets held by a financial institution or government that can be used to meet future liabilities. This concept is particularly important in banking, where reserves are essential for maintaining liquidity and ensuring that the bank can meet its obligations to depositors. In contrast, the term aggregate reserve encompasses all reserves held by an entity, including cash, liquid assets, and other forms of reserves that can be utilized for various purposes. The significance of total reserve and aggregate reserve cannot be overstated, especially in times of economic uncertainty. For instance, during a financial crisis, banks must rely on their total reserve to cover withdrawals from customers and to stabilize their operations. A strong total reserve indicates that a bank is well-prepared to face unexpected financial challenges. Conversely, a low total reserve can lead to a lack of confidence among depositors, potentially resulting in bank runs and further destabilizing the financial system.Moreover, the concept of aggregate reserve plays a vital role in assessing the overall health of an economy. Governments and central banks monitor the aggregate reserve levels to gauge the financial stability of their institutions. High levels of aggregate reserve can signal a robust economy, while low levels may indicate potential risks and vulnerabilities. This is particularly relevant for emerging markets, where financial systems may be more susceptible to shocks.To illustrate the importance of these terms, consider a scenario where a country faces a sudden economic downturn. If the central bank has maintained a healthy total reserve, it can implement measures such as lowering interest rates or providing liquidity support to struggling banks. Such actions can help stabilize the economy and restore confidence among investors and consumers. On the other hand, if the total reserve is inadequate, the central bank may struggle to respond effectively, leading to prolonged economic hardship.In addition to their implications for financial institutions and governments, total reserve and aggregate reserve are also relevant for individual investors. Understanding these concepts can help investors assess the risk associated with different financial products and institutions. For instance, an investor may choose to deposit their savings in a bank with a strong total reserve, knowing that their funds are safer in a well-capitalized institution.In conclusion, the terms total reserve and aggregate reserve are fundamental in the realms of finance and economics. They provide insights into the liquidity and stability of financial institutions, as well as the overall health of the economy. By grasping the significance of these terms, individuals and organizations can make better-informed financial decisions, ultimately contributing to a more stable and prosperous economic environment.

在金融和经济的世界中，理解各种术语对于做出明智的决策至关重要。其中一个术语是总储备，它指的是金融机构或政府持有的可用于满足未来负债的资产总额。这个概念在银行业尤其重要，因为储备对于维持流动性和确保银行能够履行对存款人的义务至关重要。相比之下，术语综合储备涵盖了实体所持有的所有储备，包括现金、流动资产和其他可以用于各种目的的储备形式。 总储备和综合储备的重要性不容小觑，特别是在经济不确定时期。例如，在金融危机期间，银行必须依靠其总储备来覆盖客户的提款并稳定其运营。强大的总储备表明银行已做好准备应对意外的财务挑战。相反，低总储备可能导致存款人缺乏信心，从而可能导致银行挤兑并进一步破坏金融系统的稳定。此外，综合储备的概念在评估经济整体健康状况方面也发挥着重要作用。政府和中央银行监测综合储备水平，以评估其机构的财务稳定性。高水平的综合储备可以表明经济强劲，而低水平可能表明潜在的风险和脆弱性。这在新兴市场中特别相关，因为这些地方的金融系统可能更容易受到冲击。为了说明这些术语的重要性，考虑一个国家面临突发经济衰退的情境。如果中央银行保持了健康的总储备，它可以实施降低利率或为陷入困境的银行提供流动性支持等措施。这些行动可以帮助稳定经济，并恢复投资者和消费者的信心。另一方面，如果总储备不足，中央银行可能难以有效应对，从而导致长期的经济困境。除了对金融机构和政府的影响外，总储备和综合储备对个人投资者也很相关。理解这些概念可以帮助投资者评估与不同金融产品和机构相关的风险。例如，投资者可能选择将他们的储蓄存入拥有强大总储备的银行，因为他们知道在资本充足的机构中，他们的资金更安全。总之，总储备和综合储备这两个术语在金融和经济领域是基础性的。它们提供了对金融机构流动性和稳定性的洞察，以及经济整体健康状况的评估。通过掌握这些术语的重要性，个人和组织可以做出更明智的财务决策，最终有助于创造一个更加稳定和繁荣的经济环境。