percentage reserve

简明释义

备用率

英英释义

例句

1.The percentage reserve 存款准备金比例 is crucial for maintaining trust in the banking system.

对于维护银行系统的信任，percentage reserve 存款准备金比例至关重要。

2.Investors should be aware of the percentage reserve 存款准备金比例 when assessing a bank's financial stability.

投资者在评估银行的财务稳定性时，应注意percentage reserve 存款准备金比例。

3.A higher percentage reserve 存款准备金比例 means that banks have less money available for loans.

更高的percentage reserve 存款准备金比例意味着银行可用于贷款的资金较少。

4.The bank requires a minimum percentage reserve 存款准备金比例 of 10% to ensure liquidity.

银行要求最低的percentage reserve 存款准备金比例为10%以确保流动性。

5.The central bank adjusted the percentage reserve 存款准备金比例 to stimulate economic growth.

中央银行调整了percentage reserve 存款准备金比例以刺激经济增长。

作文

Understanding the concept of percentage reserve is crucial for anyone involved in finance or economics. The term percentage reserve refers to the fraction of deposits that a bank is required to hold as reserves, rather than lending out. This is a vital component of the banking system, as it ensures that banks have enough funds available to meet withdrawal demands from their customers. In essence, the percentage reserve acts as a safety net for the financial institution, allowing it to manage liquidity risk effectively.When we discuss the percentage reserve, it is important to recognize its role in monetary policy. Central banks often set the percentage reserve requirement as a tool to control the money supply in the economy. For instance, if a central bank wants to stimulate economic growth, it may lower the percentage reserve. This means that banks can lend more money, which increases the amount of money circulating in the economy. Conversely, if inflation is a concern, the central bank might raise the percentage reserve, thereby restricting the amount of money that banks can lend.The implications of the percentage reserve extend beyond individual banks; they affect the entire economy. A lower percentage reserve can lead to increased lending, which may boost consumer spending and investment. However, this also comes with risks, as excessive lending can lead to bubbles in asset prices. On the other hand, a higher percentage reserve can dampen economic activity, leading to slower growth. Therefore, finding the right balance is essential for maintaining economic stability.Moreover, the percentage reserve can vary significantly across different countries and financial systems. In some countries, the reserve requirement may be as low as 1%, while in others, it could be as high as 20%. These differences can reflect the varying levels of risk tolerance, regulatory environments, and economic conditions in different regions. Understanding these variations is important for investors and policymakers alike, as they navigate the complexities of global finance.In conclusion, the concept of percentage reserve is fundamental to the functioning of modern banking and economic systems. It serves not only as a regulatory measure but also as a tool for influencing the broader economy. As such, a clear understanding of percentage reserve is essential for anyone looking to engage meaningfully with financial markets or economic policies. By grasping the implications of the percentage reserve, individuals and institutions can make more informed decisions that contribute to financial stability and economic growth.

理解百分比准备金的概念对任何参与金融或经济活动的人来说都是至关重要的。百分比准备金是指银行需要作为准备金保留的存款比例，而不是借出。这是银行系统的重要组成部分，因为它确保银行有足够的资金可用于满足客户的提款需求。从本质上讲，百分比准备金充当金融机构的安全网，使其能够有效管理流动性风险。当我们讨论百分比准备金时，重要的是要认识到其在货币政策中的作用。中央银行通常将百分比准备金要求设定为控制经济中货币供应量的工具。例如，如果中央银行希望刺激经济增长，它可能会降低百分比准备金。这意味着银行可以借出更多的钱，从而增加经济中流通的货币数量。相反，如果通货膨胀成为问题，中央银行可能会提高百分比准备金，从而限制银行可以借出的资金。百分比准备金的影响超出了个别银行；它们影响整个经济。较低的百分比准备金可能导致贷款增加，这可能会促进消费者支出和投资。然而，这也伴随着风险，因为过度贷款可能导致资产价格泡沫。另一方面，较高的百分比准备金可能抑制经济活动，导致增长缓慢。因此，找到适当的平衡对于维持经济稳定至关重要。此外，百分比准备金在不同国家和金融系统之间可能存在显著差异。在某些国家，准备金要求可能低至1%，而在其他国家，可能高达20%。这些差异反映了不同地区的风险承受能力、监管环境和经济状况的不同。理解这些差异对投资者和政策制定者来说都很重要，因为他们在应对全球金融的复杂性时。总之，百分比准备金的概念对于现代银行和经济系统的运作至关重要。它不仅作为一种监管措施，还作为影响更广泛经济的工具。因此，清楚地理解百分比准备金对于任何希望在金融市场或经济政策中进行有意义参与的人来说都是必不可少的。通过掌握百分比准备金的影响，个人和机构可以做出更明智的决策，从而促进金融稳定和经济增长。