minimum reserve ratio

简明释义

最低准备比率

英英释义

例句

1.Banks must comply with the minimum reserve ratio set by the regulatory authority.

银行必须遵守监管机构设定的最低准备金率。

2.During a financial crisis, the government may adjust the minimum reserve ratio to stabilize the economy.

在金融危机期间，政府可能会调整最低准备金率以稳定经济。

3.The central bank decided to lower the minimum reserve ratio to encourage more lending.

中央银行决定降低最低准备金率以鼓励更多的贷款。

4.A higher minimum reserve ratio can restrict the money supply in the economy.

更高的最低准备金率可能会限制经济中的货币供应。

5.The minimum reserve ratio influences how much money banks can lend out.

最低准备金率影响银行可以放出多少贷款。

作文

In the world of banking and finance, the term minimum reserve ratio refers to the percentage of deposits that a bank is required to hold as reserves. This ratio is crucial for maintaining the stability of the financial system and ensuring that banks have enough liquidity to meet withdrawal demands from their customers. The minimum reserve ratio is set by central banks and varies from country to country, depending on economic conditions and monetary policy objectives.The concept of the minimum reserve ratio originated during the early 20th century when banks faced significant challenges in managing liquidity. By requiring banks to maintain a certain percentage of their deposits as reserves, central banks aimed to prevent bank runs and ensure that institutions could cover withdrawals without resorting to borrowing or selling off assets at unfavorable prices.When the minimum reserve ratio is set higher, it means that banks must hold more money in reserve and can lend out less. This can lead to a tightening of credit in the economy, which may slow down economic growth. Conversely, a lower minimum reserve ratio allows banks to lend more of their deposits, potentially stimulating economic activity. Therefore, central banks often adjust this ratio as part of their monetary policy strategy to either encourage or restrain lending, depending on the prevailing economic conditions.The implications of the minimum reserve ratio extend beyond individual banks; they affect the entire economy. For instance, during periods of economic downturn, central banks may lower the minimum reserve ratio to increase liquidity in the banking system. This action can encourage banks to lend more, which can help businesses invest and grow, ultimately leading to job creation and economic recovery. On the other hand, if inflation is a concern, central banks might raise the minimum reserve ratio to curtail excessive lending and spending, thereby stabilizing prices.Moreover, the minimum reserve ratio serves as a tool for risk management within the banking sector. By maintaining adequate reserves, banks can better absorb unexpected losses and reduce the likelihood of insolvency. This is particularly important in times of financial crisis when the stability of the banking system is paramount. A well-calibrated minimum reserve ratio helps ensure that banks operate safely and soundly, protecting depositors and the broader economy.In conclusion, the minimum reserve ratio is a fundamental aspect of banking regulation that plays a critical role in the overall health of the financial system. It influences how much money banks can lend, affects economic growth, and serves as a buffer against financial instability. Understanding the minimum reserve ratio is essential for anyone interested in finance, economics, or banking, as it is a key component of monetary policy and financial regulation that shapes the economic landscape.

在银行和金融的世界中，术语最低准备金率指的是银行被要求作为准备金保留的存款百分比。这个比例对于维护金融系统的稳定性至关重要，并确保银行有足够的流动性来满足客户的提款需求。最低准备金率由中央银行设定，并因国家而异，具体取决于经济条件和货币政策目标。最低准备金率的概念起源于20世纪初，当时银行在管理流动性方面面临重大挑战。通过要求银行将一定比例的存款作为准备金，中央银行旨在防止银行挤兑，确保机构能够覆盖提款，而不必借贷或以不利价格出售资产。当最低准备金率设定得更高时，这意味着银行必须保留更多的钱作为准备金，并且可以放贷的金额更少。这可能导致经济中信贷的收紧，从而减缓经济增长。相反，较低的最低准备金率允许银行贷出更多的存款，可能刺激经济活动。因此，中央银行通常会根据当前的经济条件调整这一比例，以鼓励或限制放贷，作为其货币政策战略的一部分。最低准备金率的影响不仅限于个别银行；它们还影响整个经济。例如，在经济衰退期间，中央银行可能会降低最低准备金率以增加银行系统中的流动性。这一举措可以鼓励银行放贷，从而帮助企业投资和增长，最终创造就业机会并促进经济复苏。另一方面，如果通货膨胀成为关注点，中央银行可能会提高最低准备金率以遏制过度的放贷和支出，从而稳定价格。此外，最低准备金率还作为银行部门风险管理的工具。通过保持充足的准备金，银行可以更好地吸收意外损失，减少破产的可能性。这在金融危机时期尤为重要，因为银行系统的稳定性至关重要。合理设定的最低准备金率有助于确保银行安全稳健地运营，保护存款人和更广泛的经济。总之，最低准备金率是银行监管的一个基本方面，在金融系统的整体健康中发挥着关键作用。它影响银行可以放贷的资金量，影响经济增长，并作为抵御金融不稳定的缓冲。理解最低准备金率对于任何对金融、经济或银行业感兴趣的人来说都是至关重要的，因为它是塑造经济格局的货币政策和金融监管的关键组成部分。