reserve balance

简明释义

储备余额

英英释义

例句

1.I transferred some money to my savings account to increase my reserve balance.

我将一些钱转入我的储蓄账户，以增加我的储备余额。

2.The bank sent me a notification that my reserve balance had dropped below the required minimum.

银行给我发了通知，告知我的储备余额已低于所需的最低限额。

3.Before making a large purchase, I checked my reserve balance to ensure I had enough funds.

在进行大额购买之前，我检查了我的储备余额以确保我有足够的资金。

4.To avoid overdraft fees, it's important to keep an eye on your reserve balance.

为了避免透支费用，关注你的储备余额是很重要的。

5.The company requires employees to maintain a certain reserve balance for travel expenses.

公司要求员工保持一定的储备余额以备差旅费用。

作文

In the world of finance and banking, understanding terms like reserve balance is crucial for both individuals and businesses. A reserve balance refers to the amount of funds that a bank is required to hold in reserve against its deposit liabilities. This reserve is not available for lending or investment purposes; instead, it serves as a safety net to ensure that the bank can meet withdrawal demands from customers. By maintaining a certain level of reserve balance, banks help to stabilize the financial system and instill confidence among depositors.The concept of reserve balance is particularly important in the context of monetary policy. Central banks, such as the Federal Reserve in the United States, set reserve requirements for commercial banks. These requirements dictate how much money banks must keep on hand, influencing their ability to create loans and generate profits. When the central bank raises reserve requirements, it effectively reduces the amount of money available for lending, which can slow down economic growth. Conversely, lowering reserve requirements can encourage banks to lend more, stimulating the economy.For individual account holders, understanding reserve balance can also be beneficial. For instance, if you are planning to withdraw a large sum of money, it is wise to check with your bank about their reserve balance policies. Some banks may have limits on how much cash they can provide at a given time, depending on their reserves. This knowledge can help you avoid any surprises when you need access to your funds.Moreover, businesses must also be aware of reserve balance when managing their finances. Companies often maintain business accounts with banks, and understanding how reserve balance affects their cash flow is essential. If a business has a significant amount of money tied up in accounts that do not allow for easy access due to reserve requirements, it could face liquidity issues. Therefore, effective cash management strategies should consider the implications of reserve balance to ensure that the business can operate smoothly without unexpected financial hiccups.In summary, the term reserve balance encompasses a fundamental aspect of banking that affects both lenders and borrowers. It plays a vital role in the overall health of the financial system, influencing monetary policy and the availability of credit. By grasping the importance of reserve balance, individuals and businesses can make more informed financial decisions. Whether you are saving for a future investment, managing day-to-day expenses, or running a business, understanding how reserve balance works will empower you to navigate the complexities of the banking system more effectively. In a world where financial literacy is increasingly important, knowledge of terms like reserve balance can lead to better financial outcomes and greater peace of mind.

在金融和银行的世界里，理解像储备余额这样的术语对个人和企业来说都是至关重要的。储备余额是指银行根据其存款负债必须持有的资金数量。这部分储备不能用于贷款或投资；相反，它作为安全网，以确保银行能够满足客户的提款需求。通过保持一定水平的储备余额，银行帮助稳定金融系统，并增强存款人的信心。在货币政策的背景下，储备余额的概念尤其重要。中央银行，例如美国的联邦储备银行，为商业银行设定储备要求。这些要求决定了银行必须保留多少资金，从而影响它们创造贷款和产生利润的能力。当中央银行提高储备要求时，它实际上减少了可用于贷款的资金量，这可能会减缓经济增长。相反，降低储备要求可以鼓励银行放贷，从而刺激经济。对于个人账户持有者来说，了解储备余额也很有帮助。例如，如果您计划提取一大笔现金，明智的做法是向您的银行询问他们的储备余额政策。一些银行可能会对在特定时间内可以提供的现金数量设定限制，这取决于它们的储备情况。这种知识可以帮助您避免在需要访问资金时出现任何意外。此外，企业在管理财务时也必须意识到储备余额。公司通常在银行开设商业账户，了解储备余额如何影响其现金流至关重要。如果一家企业在不允许轻松访问的账户中占用大量资金，因储备要求而可能面临流动性问题。因此，有效的现金管理策略应考虑储备余额的影响，以确保企业能够顺利运营，而不会遇到意外的财务问题。总之，术语储备余额涵盖了银行业务的一个基本方面，影响着借贷双方。它在金融系统的整体健康中发挥着至关重要的作用，影响着货币政策和信贷的可用性。通过掌握储备余额的重要性，个人和企业可以做出更明智的财务决策。无论您是在为未来的投资储蓄，管理日常开支，还是经营企业，了解储备余额的运作将使您能够更有效地驾驭银行系统的复杂性。在一个金融素养日益重要的世界中，了解像储备余额这样的术语可以带来更好的财务结果和更大的安心。