minimum reserve quota

简明释义

最低储备定额

英英释义

例句

1.Banks must adhere to the minimum reserve quota to avoid penalties.

银行必须遵守最低准备金配额以避免罚款。

2.The minimum reserve quota is crucial for managing liquidity in the banking system.

在银行系统中，最低准备金配额对管理流动性至关重要。

3.Changes in the minimum reserve quota can impact lending rates.

对最低准备金配额的改变可能会影响贷款利率。

4.The central bank has set the minimum reserve quota to ensure financial stability.

中央银行设定了最低准备金配额以确保金融稳定。

5.Financial institutions are required to maintain a certain minimum reserve quota at all times.

金融机构需要始终保持一定的最低准备金配额。

作文

The concept of a minimum reserve quota is crucial in the field of banking and finance. It refers to the minimum amount of reserves that a financial institution must hold against its deposits. This requirement is set by regulatory authorities to ensure that banks maintain a certain level of liquidity and stability. The minimum reserve quota serves as a safeguard against unexpected withdrawals by customers, which can occur during economic downturns or periods of financial uncertainty. By maintaining this reserve, banks can manage their risk effectively and protect themselves from insolvency.In many countries, the central bank determines the minimum reserve quota as part of its monetary policy. This policy aims not only to ensure the stability of individual banks but also to promote overall economic stability. For instance, if a central bank raises the minimum reserve quota, banks will have to hold more money in reserve and will consequently have less to lend out. This can lead to a tightening of credit in the economy, which may slow down economic growth.Conversely, if the central bank lowers the minimum reserve quota, banks can lend more, which can stimulate economic activity. However, this increase in lending must be balanced against the potential risks of higher default rates, especially if the economy is not performing well. Therefore, the minimum reserve quota plays a vital role in ensuring that banks operate within a framework that promotes both growth and stability.Moreover, the minimum reserve quota is not uniform across all types of financial institutions or countries. Different jurisdictions may have varying requirements based on their economic conditions and regulatory frameworks. For example, smaller banks might have different minimum reserve quotas compared to larger, systemic banks. This differentiation allows regulators to tailor policies that reflect the unique characteristics of each institution while still maintaining a stable banking system.The implications of the minimum reserve quota extend beyond just individual banks; they influence the broader economy. A well-calibrated minimum reserve quota can help mitigate the risks of bank runs and financial crises. During times of economic stress, having adequate reserves ensures that banks can meet withdrawal demands, thereby instilling confidence among depositors. This confidence is essential for the smooth functioning of the financial system.In conclusion, the minimum reserve quota is a fundamental component of banking regulation that helps maintain the stability and liquidity of financial institutions. It serves as a buffer against economic shocks and promotes confidence in the banking system. Understanding the intricacies of the minimum reserve quota is essential for anyone involved in finance, as it directly impacts lending practices, economic growth, and overall financial stability. As we navigate the complexities of the modern economy, the significance of the minimum reserve quota cannot be overstated, making it a critical topic for ongoing discussion and analysis in the financial sector.

最低准备金配额的概念在银行和金融领域至关重要。它指的是金融机构必须持有的最低准备金金额，以应对其存款。这一要求由监管机构设定，以确保银行维持一定水平的流动性和稳定性。最低准备金配额作为客户意外提款的保障，尤其是在经济低迷或金融不确定时期，通过保持这一准备金，银行能够有效管理风险，保护自己免于破产。在许多国家，中央银行会根据货币政策决定最低准备金配额。该政策不仅旨在确保单个银行的稳定，还促进整体经济稳定。例如，如果中央银行提高最低准备金配额，银行将不得不保留更多的资金作为准备金，从而减少可贷出资金。这可能导致经济中信贷收紧，从而减缓经济增长。相反，如果中央银行降低最低准备金配额，银行可以借出更多资金，这可能刺激经济活动。然而，贷款增加必须与更高的违约率潜在风险相平衡，特别是在经济表现不佳时。因此，最低准备金配额在确保银行在促进增长和稳定之间平衡运作方面发挥着至关重要的作用。此外，最低准备金配额并不是所有类型的金融机构或国家都统一的。不同的司法管辖区可能根据其经济状况和监管框架有不同的要求。例如，小型银行可能与大型系统性银行有不同的最低准备金配额。这种差异化允许监管机构制定反映每个机构独特特征的政策，同时仍然维护稳定的银行系统。最低准备金配额的影响超越了单个银行，它们影响着更广泛的经济。适当校准的最低准备金配额可以帮助减轻银行挤兑和金融危机的风险。在经济压力时期，拥有充足的准备金确保银行能够满足提款需求，从而增强存款人的信心。这种信心对于金融系统的顺利运作至关重要。总之，最低准备金配额是银行监管的基本组成部分，有助于维持金融机构的稳定性和流动性。它作为抵御经济冲击的缓冲，促进了对银行系统的信心。理解最低准备金配额的复杂性对于任何参与金融活动的人来说都是必要的，因为它直接影响贷款实践、经济增长和整体金融稳定。随着我们在现代经济的复杂性中航行，最低准备金配额的重要性不容小觑，使其成为金融部门持续讨论和分析的关键主题。