reserve against deposit system

简明释义

存款准备金制度

英英释义

例句

1.The bank maintains a reserve against deposit system to ensure liquidity during financial crises.

银行维持一个存款准备金制度以确保在金融危机期间的流动性。

2.Investors often analyze a bank's reserve against deposit system before making investment decisions.

投资者在做出投资决策之前，常常会分析银行的存款准备金制度。

3.The central bank adjusts the reserve against deposit system to control inflation rates.

中央银行调整存款准备金制度以控制通货膨胀率。

4.A higher reserve against deposit system can help stabilize the economy by preventing excessive lending.

更高的存款准备金制度可以通过防止过度放贷来帮助稳定经济。

5.To comply with regulations, financial institutions must establish a reserve against deposit system.

为了遵守法规，金融机构必须建立一个存款准备金制度。

作文

The financial system in modern economies relies heavily on a concept known as the reserve against deposit system. This mechanism is essential for maintaining liquidity and stability within banks and the broader economy. At its core, this system requires banks to hold a certain percentage of their deposits in reserve, either in cash or as deposits with the central bank. This ensures that they have enough funds available to meet withdrawal demands from customers while also allowing them to lend out the remaining portion of the deposits to borrowers. Understanding the reserve against deposit system is crucial for grasping how banks operate and how they contribute to economic growth. When individuals deposit their money into a bank, they expect that it will be safe and accessible when needed. The bank, in turn, uses a portion of these deposits to provide loans to businesses and consumers, stimulating economic activity. However, if too many depositors attempt to withdraw their funds simultaneously, the bank may face liquidity issues. This is where the reserve against deposit system comes into play. By mandating that banks maintain a specific reserve ratio, regulators help safeguard the interests of depositors and prevent bank runs.The reserve requirement can vary depending on the type of deposit and the policies of the central bank. For instance, during times of economic uncertainty, central banks may decide to lower the reserve requirement to encourage lending and investment. Conversely, in times of economic overheating, they might raise the reserve requirement to curb inflationary pressures. This dynamic nature of the reserve against deposit system illustrates its importance in monetary policy and economic management.Moreover, the implications of the reserve against deposit system extend beyond individual banks. It plays a significant role in the overall money supply within an economy. When banks lend out money, they effectively create new deposits, leading to an expansion of the money supply. This process is known as the money multiplier effect, which hinges on the reserve requirement set by the central bank. A lower reserve ratio allows banks to create more money through lending, while a higher ratio restricts this ability, demonstrating how intertwined the reserve against deposit system is with economic health.In summary, the reserve against deposit system is a fundamental aspect of banking that helps ensure financial stability and facilitates economic growth. By requiring banks to hold a portion of deposits in reserve, this system protects depositors and enables banks to lend effectively. Understanding this concept is vital for anyone interested in finance, economics, or the functioning of modern banking systems. As we navigate the complexities of the global economy, the principles underlying the reserve against deposit system will continue to play a critical role in shaping our financial landscape.

现代经济中的金融体系在很大程度上依赖于一个称为存款准备金制度的概念。这个机制对于维护银行和更广泛经济的流动性和稳定性至关重要。从本质上讲，该系统要求银行将其存款的一定百分比作为准备金保留，无论是以现金形式还是作为中央银行的存款。这确保了他们有足够的资金可用于满足客户的提款需求，同时也允许他们将剩余部分的存款贷给借款人。理解存款准备金制度对掌握银行如何运作以及它们如何促进经济增长至关重要。当个人将钱存入银行时，他们期望这些资金是安全的，并且在需要时可以访问。银行反过来使用这些存款的一部分向企业和消费者提供贷款，刺激经济活动。然而，如果太多存款人试图同时提取他们的资金，银行可能会面临流动性问题。这就是存款准备金制度发挥作用的地方。通过要求银行保持特定的准备金比率，监管机构帮助保护存款人的利益并防止银行挤兑。准备金要求可能因存款类型和中央银行的政策而异。例如，在经济不确定时期，中央银行可能决定降低准备金要求以鼓励贷款和投资。相反，在经济过热时期，他们可能会提高准备金要求以抑制通货膨胀压力。这种存款准备金制度的动态性质说明了它在货币政策和经济管理中的重要性。此外，存款准备金制度的影响超出了单个银行的范围。它在整个经济体的钱供应中扮演着重要角色。当银行放贷时，它们实际上是在创造新的存款，从而导致货币供应的扩张。这个过程被称为货币乘数效应，它依赖于中央银行设定的准备金要求。较低的准备金比率允许银行通过贷款创造更多货币，而较高的比率则限制了这种能力，这表明存款准备金制度与经济健康之间是多么紧密相连。总之，存款准备金制度是银行的一个基本方面，有助于确保金融稳定并促进经济增长。通过要求银行将一部分存款作为准备金保留，该系统保护了存款人并使银行能够有效放贷。理解这一概念对任何对金融、经济或现代银行系统运作感兴趣的人都是至关重要的。在我们导航全球经济的复杂性时，支撑存款准备金制度的原则将继续在塑造我们的金融格局中发挥关键作用。