required reserve

简明释义

规定的准备金

英英释义

例句

1.If a bank's actual reserves fall below the required reserve, it may face penalties.

如果一家银行的实际储备低于法定准备金，可能会面临处罚。

2.The bank must maintain a certain percentage of its deposits as required reserve to ensure liquidity.

银行必须保持其存款的一定比例作为法定准备金以确保流动性。

3.During the economic downturn, the central bank lowered the required reserve ratio to encourage lending.

在经济衰退期间，中央银行降低了法定准备金比率以促进贷款。

4.The required reserve helps to stabilize the banking system during financial crises.

在金融危机期间，法定准备金有助于稳定银行系统。

5.Understanding the concept of required reserve is crucial for banking professionals.

理解法定准备金的概念对银行专业人士至关重要。

作文

In the world of banking and finance, the term required reserve refers to the minimum amount of funds that a bank must hold in reserve against deposits made by customers. This requirement is set by the central bank of a country and is crucial for maintaining the stability and liquidity of the financial system. The required reserve is typically expressed as a percentage of the total deposits held by the bank. For instance, if a bank has $1 million in deposits and the required reserve ratio is set at 10%, the bank must keep $100,000 as reserves. The concept of required reserve plays an essential role in monetary policy. By adjusting the required reserve ratio, central banks can influence the amount of money that banks can lend. When the central bank lowers the required reserve ratio, banks have more funds available to lend, which can stimulate economic growth. Conversely, raising the required reserve ratio restricts lending, which can help control inflation. Understanding the implications of required reserve is vital for both banks and their customers. For banks, maintaining the appropriate level of reserves is crucial for meeting withdrawal demands from customers and ensuring financial stability. If a bank fails to meet its required reserve, it may face penalties from the central bank, and this could lead to a loss of confidence among depositors. For customers, the required reserve affects the interest rates on loans and savings accounts. When banks have more reserves, they may offer lower interest rates on loans because they have a larger pool of funds to draw from. On the other hand, if the required reserve is high, banks might increase interest rates to compensate for the reduced amount of money available for lending. Moreover, the required reserve is a key component in the broader context of the money supply. The money multiplier effect illustrates how banks can create money through lending. When a bank receives a deposit, it keeps a fraction as reserves (the required reserve) and lends out the rest. This process continues as the money lent out is deposited into another bank, which again keeps a portion as reserves and lends the remainder. This cycle can significantly increase the total money supply in the economy. In conclusion, the required reserve is a fundamental concept in banking that helps ensure the stability of financial institutions and the economy as a whole. It serves as a regulatory measure that influences lending practices, interest rates, and overall economic activity. Both banks and customers must understand the implications of the required reserve to navigate the financial landscape effectively. By grasping this concept, individuals can make informed decisions about their finances, while banks can better manage their operations within the regulatory framework established by the central bank.

在银行和金融的世界中，术语要求准备金指的是银行必须根据客户存款保留的最低资金。这一要求由国家中央银行设定，对于维护金融系统的稳定性和流动性至关重要。要求准备金通常以银行持有的总存款的百分比表示。例如，如果一家银行有100万美元的存款，而要求准备金比率设定为10%，则该银行必须保留10万美元作为准备金。要求准备金的概念在货币政策中发挥着重要作用。通过调整要求准备金比率，中央银行可以影响银行能够放贷的资金量。当中央银行降低要求准备金比率时，银行可用于放贷的资金增多，这可以刺激经济增长。相反，提高要求准备金比率则限制放贷，这可以帮助控制通货膨胀。理解要求准备金的影响对于银行和其客户都是至关重要的。对于银行而言，保持适当水平的准备金对于满足客户的取款需求和确保金融稳定至关重要。如果一家银行未能满足其要求准备金，可能会面临来自中央银行的处罚，这可能导致存款人失去信心。对于客户而言，要求准备金影响贷款和储蓄账户的利率。当银行拥有更多准备金时，可能会提供更低的贷款利率，因为它们有更多的资金可供支配。另一方面，如果要求准备金高，银行可能会提高利率以弥补可用于放贷的资金减少。此外，要求准备金是货币供应更广泛背景中的一个关键组成部分。货币乘数效应说明了银行如何通过放贷创造货币。当银行收到存款时，它保留一部分作为准备金（即要求准备金），将其余部分放贷。这个过程在放贷的资金再次存入另一家银行时继续进行，该银行同样保留一部分作为准备金并放贷其余部分。这个循环可以显著增加经济中的总货币供应。总之，要求准备金是银行业的一个基本概念，有助于确保金融机构和整个经济的稳定。它作为一种监管措施，影响放贷实践、利率和整体经济活动。银行和客户都必须理解要求准备金的影响，以有效地应对金融环境。通过掌握这一概念，个人可以对自己的财务做出明智的决策，而银行则可以在中央银行设定的监管框架内更好地管理其运营。