reserve ratio

简明释义

储备比率

英英释义

例句

1.The reserve ratio 准备金率 is a critical tool for monetary policy management.

准备金率是货币政策管理的一个关键工具。

2.During economic downturns, the government may adjust the reserve ratio 准备金率 to stimulate growth.

在经济衰退期间，政府可能会调整准备金率以刺激增长。

3.The central bank decided to lower the reserve ratio 准备金率 to encourage more lending.

中央银行决定降低准备金率以鼓励更多贷款。

4.A higher reserve ratio 准备金率 means that banks have less money to lend out.

较高的准备金率意味着银行可贷出的钱更少。

5.Banks must maintain a minimum reserve ratio 准备金率 set by the central bank.

银行必须保持中央银行设定的最低准备金率。

作文

The concept of the reserve ratio is a fundamental aspect of banking and finance that plays a crucial role in the stability of the financial system. The reserve ratio refers to the fraction of deposits that a bank must hold in reserve and not lend out. This requirement is set by regulatory authorities to ensure that banks maintain enough liquidity to meet the demands of their customers. Understanding the reserve ratio is essential for both banking professionals and the general public, as it directly impacts the economy's health.When a bank receives deposits from its customers, it is allowed to use a portion of those funds to provide loans to other customers. However, the reserve ratio dictates how much of those deposits must remain in the bank as reserves. For example, if a bank has a reserve ratio of 10%, it means that for every $100 deposited, the bank must keep $10 in reserve and can lend out $90. This mechanism is designed to prevent banks from overextending themselves, which could lead to financial instability.The reserve ratio also plays a significant role in monetary policy. Central banks, such as the Federal Reserve in the United States, adjust the reserve ratio to control the money supply in the economy. By increasing the reserve ratio, central banks can reduce the amount of money available for lending, which can help curb inflation. Conversely, by lowering the reserve ratio, they can encourage more lending and stimulate economic growth. This dynamic relationship between the reserve ratio and monetary policy highlights its importance in managing economic fluctuations.Moreover, the reserve ratio can vary significantly between countries and can be influenced by various factors, including the overall economic conditions and the regulatory environment. For instance, during times of economic uncertainty, central banks may choose to lower the reserve ratio to encourage lending and support economic activity. In contrast, during periods of rapid economic growth, they may raise the reserve ratio to prevent overheating in the economy.In addition to its implications for monetary policy, the reserve ratio also affects the profitability of banks. A higher reserve ratio means that banks have less money available to lend, which can limit their ability to generate interest income. On the other hand, a lower reserve ratio allows banks to lend more money, potentially increasing their profits. Therefore, banks must carefully manage their reserve ratio to balance their liquidity needs with their desire for profitability.In conclusion, the reserve ratio is a critical component of the banking system that influences both individual banks and the broader economy. It serves as a safeguard against financial instability while also playing a key role in monetary policy. As such, understanding the reserve ratio is essential for anyone interested in finance or economics. By grasping this concept, individuals can better appreciate the complexities of the financial system and the ways in which it impacts their lives. The reserve ratio not only affects how banks operate but also shapes the economic landscape in which we all live and work.

“准备金比率”这一概念是银行和金融领域的一个基本方面，对金融系统的稳定性起着至关重要的作用。“准备金比率”是指银行必须保留的存款比例，而不是用于放贷。这个要求是由监管机构设定的，以确保银行保持足够的流动性来满足客户的需求。理解“准备金比率”对银行专业人士和公众来说都至关重要，因为它直接影响经济的健康。当银行收到客户的存款时，它可以使用其中的一部分资金向其他客户提供贷款。然而，“准备金比率”决定了这些存款中有多少必须保留在银行作为准备金。例如，如果一家银行的“准备金比率”为10%，这意味着每存入100美元，银行必须保留10美元作为准备金，可以借出90美元。这一机制旨在防止银行过度扩张，从而导致金融不稳定。“准备金比率”在货币政策中也发挥着重要作用。中央银行，例如美国的联邦储备系统，调整“准备金比率”以控制经济中的货币供应量。通过提高“准备金比率”，中央银行可以减少可用于放贷的货币数量，从而帮助抑制通货膨胀。相反，通过降低“准备金比率”，他们可以鼓励更多的放贷，刺激经济增长。这种“准备金比率”与货币政策之间的动态关系突显了其在管理经济波动中的重要性。此外，“准备金比率”在不同国家之间可能会有显著差异，并且可能受到多种因素的影响，包括整体经济条件和监管环境。例如，在经济不确定时期，中央银行可能选择降低“准备金比率”以鼓励放贷并支持经济活动。相反，在快速经济增长时期，他们可能会提高“准备金比率”以防止经济过热。除了对货币政策的影响外，“准备金比率”还会影响银行的盈利能力。较高的“准备金比率”意味着银行可用于放贷的资金较少，这可能限制其产生利息收入的能力。另一方面，较低的“准备金比率”允许银行放贷更多资金，潜在地增加其利润。因此，银行必须谨慎管理其“准备金比率”，以平衡流动性需求与盈利欲望。总之，“准备金比率”是银行系统的一个关键组成部分，影响着个别银行和更广泛的经济。它作为防范金融不稳定的保障，同时在货币政策中发挥着关键作用。因此，理解“准备金比率”对任何对金融或经济感兴趣的人来说都是必不可少的。通过掌握这一概念，个人可以更好地欣赏金融系统的复杂性以及它如何影响他们的生活。“准备金比率”不仅影响银行的运作，还塑造了我们所有人生活和工作的经济环境。