reserve bank

简明释义

储备银行

英英释义

例句

1.The reserve bank is responsible for issuing currency and managing monetary policy.

该中央银行负责发行货币和管理货币政策。

2.The reserve bank announced a change in interest rates to control inflation.

该中央银行宣布调整利率以控制通货膨胀。

3.The reserve bank plays a crucial role in maintaining the stability of the banking system.

该中央银行在维持银行系统的稳定方面发挥着至关重要的作用。

4.Many countries rely on their reserve bank to stabilize the economy during financial crises.

许多国家依赖其中央银行在金融危机期间稳定经济。

5.Investors often watch the decisions made by the reserve bank closely.

投资者通常密切关注中央银行做出的决策。

作文

The concept of a reserve bank is central to the functioning of any modern economy. A reserve bank (储备银行) serves as the bank for the government and the financial institutions of a country. It plays a crucial role in managing the nation's currency, money supply, and interest rates. In many countries, the reserve bank is responsible for formulating and implementing monetary policy, which directly influences economic stability and growth. One of the primary functions of a reserve bank is to control inflation. By adjusting interest rates, the reserve bank can either encourage spending by lowering rates or discourage it by raising rates. This delicate balance is vital for maintaining price stability and ensuring that the economy does not overheat or fall into recession. For example, during a period of high inflation, the reserve bank may increase interest rates to curb excessive spending and borrowing. Conversely, in times of economic downturn, lowering interest rates can stimulate investment and consumption, helping to revive the economy.Another essential function of a reserve bank is to act as a lender of last resort. In times of financial crisis, when banks face liquidity shortages, the reserve bank provides emergency funding to stabilize the banking system. This role is critical in preventing bank runs and maintaining public confidence in the financial system. The reserve bank also oversees the payment systems and ensures that transactions between banks are processed smoothly and efficiently.Furthermore, a reserve bank manages the country's foreign exchange and gold reserves. By holding these assets, the reserve bank can influence the value of its currency on the international market. For instance, if a country's currency is depreciating rapidly, the reserve bank might intervene by selling foreign reserves to support the value of its currency. This action can help stabilize the economy and protect it from external shocks.In addition to these functions, the reserve bank also plays a significant role in regulating and supervising the banking sector. It establishes rules and guidelines that banks must follow to ensure their safety and soundness. By conducting regular assessments and stress tests, the reserve bank can identify potential risks in the financial system and take corrective measures before problems escalate.The importance of a reserve bank cannot be overstated. It acts as a guardian of the economy, ensuring that monetary policy is effectively implemented and that financial stability is maintained. Without a well-functioning reserve bank, economies could face severe challenges, including hyperinflation, banking crises, and loss of public trust in the financial system.In conclusion, the reserve bank (储备银行) is an indispensable institution in modern economies. Its multifaceted roles, from controlling inflation and acting as a lender of last resort to managing foreign reserves and supervising banks, highlight its significance in promoting economic stability and growth. Understanding the functions and responsibilities of a reserve bank is essential for anyone interested in economics and finance, as it provides insight into how central banks operate within the broader financial system.

储备银行的概念是任何现代经济运作的核心。储备银行（reserve bank）作为政府和国家金融机构的银行，发挥着管理国家货币、货币供应和利率的关键作用。在许多国家，储备银行负责制定和实施货币政策，这直接影响到经济的稳定和增长。储备银行的主要功能之一是控制通货膨胀。通过调整利率，储备银行可以通过降低利率来鼓励支出，或通过提高利率来抑制支出。这种微妙的平衡对于维持价格稳定至关重要，确保经济不会过热或陷入衰退。例如，在高通货膨胀时期，储备银行可能会提高利率以抑制过度支出和借贷。相反，在经济低迷时期，降低利率可以刺激投资和消费，帮助复苏经济。储备银行的另一个重要功能是作为最后贷款人。在金融危机时期，当银行面临流动性短缺时，储备银行提供紧急资金以稳定银行系统。这一角色对防止银行挤兑和维护公众对金融系统的信心至关重要。储备银行还监督支付系统，确保银行之间的交易顺利高效地进行。此外，储备银行还管理国家的外汇和黄金储备。通过持有这些资产，储备银行可以影响其货币在国际市场上的价值。例如，如果一个国家的货币快速贬值，储备银行可能会通过出售外汇储备来干预，以支持其货币的价值。这一举措可以帮助稳定经济，保护其免受外部冲击。除了这些功能，储备银行在监管和监督银行部门方面也发挥着重要作用。它制定银行必须遵循的规则和指导方针，以确保其安全性和稳健性。通过定期评估和压力测试，储备银行可以识别金融系统中的潜在风险，并在问题升级之前采取纠正措施。储备银行的重要性不容小觑。它作为经济的守护者，确保货币政策有效实施并维持金融稳定。没有一个运作良好的储备银行，经济可能面临严重挑战，包括恶性通货膨胀、银行危机以及公众对金融系统失去信任。总之，储备银行（reserve bank）是现代经济中不可或缺的机构。其多方面的角色，从控制通货膨胀和作为最后贷款人，到管理外汇储备和监督银行，突显了其在促进经济稳定和增长中的重要性。理解储备银行的职能和职责对于任何对经济和金融感兴趣的人来说都是必要的，因为这为我们提供了关于中央银行如何在更广泛的金融系统中运作的深入见解。