reserve balance; reserve margin

简明释义

储备余额

英英释义

例句

1.I checked my account and found that the reserve balance 储备余额 has increased due to interest payments.

我查看了我的账户，发现由于利息支付，储备余额 reserve balance有所增加。

2.To ensure smooth operations, the company maintains a healthy reserve margin 储备余量 to cover unexpected expenses.

为了确保顺利运营，公司保持健康的储备余量 reserve margin以应对意外开支。

3.Before making a large purchase, it's wise to check your reserve balance 储备余额 to avoid overdraft fees.

在进行大额购买之前，检查你的储备余额 reserve balance以避免透支费用是明智的。

4.The bank informed me that my reserve balance 储备余额 is sufficient for the upcoming transaction.

银行通知我，我的储备余额 reserve balance足以进行即将到来的交易。

5.The reserve margin 储备余量 is crucial for energy companies to manage supply and demand effectively.

对于能源公司来说，储备余量 reserve margin对于有效管理供需至关重要。

作文

In the world of finance and economics, understanding key concepts such as reserve balance（准备金余额） and reserve margin（准备金幅度） is crucial for making informed decisions. These terms are often used in banking, investment, and risk management, and they play a significant role in maintaining the stability of financial institutions. In this essay, I will explore the meanings of these terms, their importance in financial contexts, and how they can impact both individuals and organizations.The term reserve balance refers to the amount of funds that a bank or financial institution holds in reserve, which is not available for lending or investment. This reserve is essential for ensuring that the institution can meet its obligations to depositors and other creditors. Banks are required by regulatory authorities to maintain a certain level of reserves to protect against unexpected withdrawals and to provide a buffer during times of financial instability. For example, if a bank has a reserve balance of $1 million, it means that this amount is set aside to ensure liquidity and solvency, allowing the bank to operate smoothly even in challenging economic conditions.On the other hand, the term reserve margin is often associated with the insurance and energy sectors. It refers to the difference between the total capacity available and the expected demand for services. In the context of energy production, a reserve margin is critical because it indicates the extra capacity that power plants have to ensure that there is enough electricity to meet peak demand periods. A healthy reserve margin helps prevent blackouts and ensures that consumers have reliable access to energy. Similarly, in the insurance industry, maintaining an adequate reserve margin allows companies to cover potential claims while remaining financially viable.Both reserve balance and reserve margin serve as indicators of financial health and stability. For banks, a strong reserve balance not only complies with regulatory requirements but also instills confidence in customers and investors. It signals that the institution is well-prepared to handle financial challenges, which can enhance its reputation and attract more clients. On the other hand, a robust reserve margin in energy production ensures that supply can meet demand, which is vital for customer satisfaction and operational efficiency.In conclusion, the concepts of reserve balance（准备金余额） and reserve margin（准备金幅度） are fundamental in understanding the financial landscape. They highlight the importance of maintaining adequate reserves to safeguard against unexpected events, whether in banking, energy production, or insurance. By grasping these concepts, individuals and organizations can make better financial decisions and contribute to the overall stability of the economy. As we navigate through an increasingly complex financial environment, the significance of these terms will continue to grow, emphasizing the need for sound financial practices and prudent risk management strategies.