reserve fund

简明释义

准备金

英英释义

例句

1.To prepare for potential market downturns, investors often maintain a reserve fund.

为了应对潜在的市场下滑，投资者通常会保持一个储备基金。

2.Our organization has created a reserve fund to ensure we can handle unexpected expenses.

我们组织已经建立了一个储备基金以确保能够应对意外支出。

3.The school district set aside money in a reserve fund for future technology upgrades.

学区将资金存入一个储备基金用于未来的技术升级。

4.The city council allocated a portion of the budget to establish a reserve fund for emergency repairs.

市议会将预算的一部分拨给建立一个储备基金用于紧急维修。

5.During the financial review, the accountant noted that the reserve fund had significantly increased over the year.

在财务审查中，会计师指出，储备基金在一年内显著增加。

作文

A reserve fund is an essential financial tool that organizations, businesses, and even individuals use to ensure stability and security in their financial planning. The concept of a reserve fund (储备基金) revolves around setting aside a portion of funds for unexpected expenses or future projects. This practice is not only prudent but also a strategic move that can safeguard against financial uncertainties.In the context of businesses, having a reserve fund (储备基金) allows companies to navigate through tough economic times without resorting to drastic measures such as layoffs or cutbacks. For instance, during a recession, sales might decline significantly, and a well-maintained reserve fund (储备基金) can provide the necessary liquidity to keep operations running smoothly. This financial cushion enables businesses to focus on long-term growth rather than immediate survival.On an individual level, a reserve fund (储备基金) serves a similar purpose. Many financial advisors recommend that people maintain an emergency fund that covers three to six months' worth of living expenses. This reserve fund (储备基金) acts as a safety net in case of job loss, medical emergencies, or other unforeseen circumstances. By having this financial buffer, individuals can avoid falling into debt when unexpected costs arise.Moreover, the importance of a reserve fund (储备基金) extends to government entities as well. Local governments often set up reserve funds (储备基金) to manage budget fluctuations and ensure that they can continue providing essential services to their communities. These funds help in maintaining infrastructure, education, and public safety without interruption, even during economic downturns.Creating a reserve fund (储备基金) requires careful planning and discipline. It involves analyzing current financial situations, forecasting potential expenses, and determining a reasonable amount to set aside regularly. Whether it’s through monthly contributions to a savings account or allocating a percentage of profits to a business fund, the key is consistency. Over time, even small amounts can accumulate into a substantial reserve fund (储备基金).In conclusion, a reserve fund (储备基金) is a vital component of sound financial management. It provides a layer of protection against uncertainties, allowing individuals and organizations to operate with confidence. By prioritizing the establishment of a reserve fund (储备基金), one can achieve greater financial stability and peace of mind, regardless of what challenges may lie ahead. Therefore, whether you are managing personal finances or running a business, having a well-planned reserve fund (储备基金) is indispensable for long-term success.

储备基金是组织、企业甚至个人确保财务规划稳定性和安全性的重要金融工具。储备基金的概念围绕着将一部分资金预留用于意外支出或未来项目。这种做法不仅明智，而且是一种战略举措，可以保护抵御财务不确定性。在企业的背景下，拥有一个储备基金可以让公司在经济困难时期顺利度过，而无需采取裁员或削减开支等极端措施。例如，在经济衰退期间，销售可能会显著下降，而良好的储备基金可以提供必要的流动性，以保持运营的平稳。这种财务缓冲使企业能够专注于长期增长，而不是立即生存。在个人层面上，储备基金也起着类似的作用。许多财务顾问建议人们保持一个应急基金，覆盖三到六个月的生活费用。这个储备基金作为失业、医疗紧急情况或其他不可预见情况发生时的安全网。通过拥有这个财务缓冲，个人可以避免在意外费用出现时陷入债务。此外，储备基金的重要性还扩展到政府实体。地方政府通常设立储备基金以管理预算波动，确保能够继续为社区提供基本服务。这些基金帮助维持基础设施、教育和公共安全，即使在经济低迷期间也不会中断。建立一个储备基金需要仔细规划和自律。这涉及分析当前财务状况、预测潜在支出，并确定定期预留的合理金额。无论是通过每月向储蓄账户存款还是将利润的一部分分配到企业基金，关键在于一致性。随着时间的推移，即使是小额资金也能累积成可观的储备基金。总之，储备基金是健全财务管理的重要组成部分。它为不确定性提供了一层保护，使个人和组织能够自信地运作。通过优先建立储备基金，人们可以实现更大的财务稳定和安心，无论未来面临什么挑战。因此，无论您是在管理个人财务还是经营企业，拥有一个良好规划的储备基金对长期成功至关重要。