reserve bank credit

简明释义

储备银行贷款

英英释义

例句

1.Many economists argue that reserve bank credit is essential for maintaining financial stability.

许多经济学家认为，准备银行信贷对于维持金融稳定至关重要。

2.The central bank decided to increase reserve bank credit to stimulate economic growth.

中央银行决定增加准备银行信贷以刺激经济增长。

3.The government announced a policy to enhance reserve bank credit during the financial crisis.

政府宣布了一项政策，以在金融危机期间增强准备银行信贷。

4.An increase in reserve bank credit can lead to lower interest rates.

增加准备银行信贷可能导致利率下降。

5.Banks rely on reserve bank credit to meet their short-term liquidity needs.

银行依靠准备银行信贷来满足其短期流动性需求。

作文

The concept of reserve bank credit is fundamental to understanding the monetary policy and financial stability of a country. In essence, reserve bank credit refers to the funds that a central bank makes available to commercial banks. This credit is crucial for maintaining liquidity in the banking system and ensuring that banks can meet their obligations to depositors and other creditors. When a central bank provides reserve bank credit, it typically does so through mechanisms like open market operations, discount windows, or reserve requirements. To elaborate, open market operations involve the buying and selling of government securities in the open market to regulate the money supply. When a central bank buys securities, it injects reserve bank credit into the banking system, increasing the amount of money available for lending. Conversely, selling securities withdraws reserve bank credit from the system, tightening the money supply. This dynamic is essential for controlling inflation and stabilizing the economy. The discount window is another tool used by central banks to provide reserve bank credit. This facility allows commercial banks to borrow money from the central bank at a specified interest rate, known as the discount rate. By adjusting this rate, central banks can influence the cost of borrowing and, subsequently, the level of reserve bank credit in the economy. During times of economic uncertainty, such as a financial crisis, central banks may lower the discount rate to encourage banks to borrow more, thus increasing liquidity in the financial system. Moreover, reserve requirements dictate the minimum amount of reserves that banks must hold against deposits. By altering these requirements, central banks can directly impact the amount of reserve bank credit available. For example, lowering reserve requirements allows banks to lend more, thereby increasing reserve bank credit in circulation. This flexibility enables central banks to respond to changing economic conditions effectively. The importance of reserve bank credit extends beyond mere liquidity; it also plays a vital role in influencing interest rates and overall economic growth. When reserve bank credit is abundant, interest rates tend to be lower, encouraging borrowing and investment. This can stimulate economic growth, leading to job creation and increased consumer spending. However, if reserve bank credit is too abundant for an extended period, it can lead to inflation, eroding purchasing power and destabilizing the economy. In conclusion, understanding reserve bank credit is essential for grasping the broader mechanisms of monetary policy and its impact on the economy. It serves as a critical tool for central banks in managing liquidity, influencing interest rates, and ensuring financial stability. As economies continue to evolve and face new challenges, the role of reserve bank credit will remain a cornerstone of effective monetary policy. By monitoring and adjusting reserve bank credit, central banks can help steer their economies toward sustainable growth and stability.

“储备银行信贷”的概念对于理解一个国家的货币政策和金融稳定至关重要。简而言之，储备银行信贷是指中央银行向商业银行提供的资金。这种信贷对于维持银行体系的流动性以及确保银行能够满足存款人和其他债权人的义务至关重要。当中央银行提供储备银行信贷时，通常通过公开市场操作、贴现窗口或准备金要求等机制进行。进一步说，公开市场操作涉及在公开市场上买卖政府证券以调节货币供应。当中央银行购买证券时，它向银行体系注入储备银行信贷，增加可用于贷款的资金量。相反，出售证券则会从系统中抽走储备银行信贷，收紧货币供应。这种动态对于控制通货膨胀和稳定经济至关重要。贴现窗口是中央银行提供储备银行信贷的另一工具。该设施允许商业银行以特定利率（称为贴现率）向中央银行借款。通过调整这一利率，中央银行可以影响借款成本，从而影响经济中的储备银行信贷水平。在经济不确定时期，例如金融危机，中央银行可能会降低贴现率以鼓励银行借入更多资金，从而增加金融系统的流动性。此外，准备金要求规定了银行必须持有的最低准备金金额，以应对存款。通过改变这些要求，中央银行可以直接影响可用的储备银行信贷数量。例如，降低准备金要求使银行能够贷出更多资金，从而增加流通中的储备银行信贷。这种灵活性使中央银行能够有效应对不断变化的经济条件。储备银行信贷的重要性不仅仅体现在流动性上；它还在影响利率和整体经济增长方面发挥着至关重要的作用。当储备银行信贷充足时，利率往往较低，鼓励借贷和投资。这可以刺激经济增长，导致就业创造和消费者支出增加。然而，如果储备银行信贷在较长时间内过于充足，则可能导致通货膨胀，侵蚀购买力并破坏经济稳定。总之，理解储备银行信贷对于把握货币政策的更广泛机制及其对经济的影响至关重要。它作为中央银行管理流动性、影响利率和确保金融稳定的重要工具。随着经济的不断发展和面临新挑战，储备银行信贷的角色将始终是有效货币政策的基石。通过监测和调整储备银行信贷，中央银行可以帮助引导其经济走向可持续增长和稳定。