deposited reserve

简明释义

存出准备金

英英释义

例句

1.Investors often look at the deposited reserve 存款准备金 of a bank to assess its liquidity.

投资者通常查看银行的deposited reserve 存款准备金以评估其流动性。

2.To calculate the total assets, you need to include the deposited reserve 存款准备金 held by the institution.

要计算总资产，您需要包括机构持有的deposited reserve 存款准备金。

3.The central bank adjusts the deposited reserve 存款准备金 requirements to control inflation.

中央银行调整deposited reserve 存款准备金要求以控制通货膨胀。

4.The bank requires a minimum of $1,000 in your deposited reserve 存款准备金 to open a savings account.

银行要求在您的deposited reserve 存款准备金中至少有1000美元才能开设储蓄账户。

5.A higher deposited reserve 存款准备金 means that banks have more funds available for loans.

更高的deposited reserve 存款准备金意味着银行有更多资金可用于贷款。

作文

In the world of finance and banking, understanding the concept of deposited reserve is crucial for both individuals and institutions. A deposited reserve refers to the portion of funds that banks are required to hold in reserve against deposits made by their customers. This reserve is not available for lending or investment, and it serves as a safety net to ensure liquidity in the banking system. The concept is essential for maintaining stability in the financial sector and plays a significant role in monetary policy. When a customer deposits money into their bank account, the bank does not keep all of that money on hand. Instead, it retains a certain percentage as a deposited reserve while using the rest to make loans and investments. For example, if a bank has a reserve requirement of 10%, this means that for every $100 deposited, the bank must keep $10 in reserve and can lend out $90. This mechanism allows banks to generate income through interest on loans while still ensuring they have enough cash available to meet withdrawal demands from customers.The importance of deposited reserve becomes particularly evident during times of economic uncertainty. When individuals and businesses lose confidence in the economy, they tend to withdraw their deposits, leading to a potential liquidity crisis for banks. By having sufficient reserves, banks can manage these withdrawals without facing insolvency. Moreover, central banks monitor the overall level of deposited reserve in the banking system as part of their efforts to control inflation and stabilize the economy. Through tools such as reserve requirements and open market operations, central banks influence the amount of money that banks can lend, thereby impacting overall economic activity.In addition to its role in liquidity management, deposited reserve is also a critical component of the fractional reserve banking system. This system allows banks to create money through the lending process. When a bank lends out a portion of its deposits, it effectively increases the money supply in the economy. This process is known as the money multiplier effect. For instance, when a bank receives a deposit and holds a deposited reserve of 10%, it can lend out 90% of that deposit. If the borrower spends that loan and the recipient deposits it into another bank, that bank can then lend out 90% of that new deposit, and so on. This cycle continues, leading to a significant increase in the total money supply based on the initial deposit.Understanding deposited reserve is not only vital for bankers and policymakers but also for ordinary citizens. Individuals should be aware of how their deposits contribute to the broader financial system and the implications of bank lending practices. Furthermore, during economic downturns, the behavior of banks regarding their reserves can affect interest rates, credit availability, and ultimately, personal finances. By grasping the concept of deposited reserve, individuals can make more informed decisions about their savings and investments.In conclusion, the concept of deposited reserve is fundamental to the functioning of modern banking. It ensures liquidity, supports monetary policy, and facilitates the creation of money within the economy. As we navigate an increasingly complex financial landscape, a solid understanding of deposited reserve will empower us to engage more thoughtfully with our financial institutions and the broader economy.

在金融和银行的世界中，理解存款准备金的概念对个人和机构都至关重要。存款准备金是指银行在客户存款时必须保留的一部分资金。这部分准备金不可用于贷款或投资，作为确保银行系统流动性的安全网。这个概念对于维护金融部门的稳定至关重要，并在货币政策中发挥着重要作用。当客户将钱存入银行账户时，银行并不会将所有的钱都保留在手中。相反，它会保留一定比例作为存款准备金，同时使用其余部分进行贷款和投资。例如，如果一家银行的准备金要求为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，并可以贷出90美元。这个机制使得银行能够通过贷款的利息产生收入，同时确保它们有足够的现金来满足客户的取款需求。存款准备金的重要性在经济不确定时期尤为明显。当个人和企业对经济失去信心时，他们往往会提取存款，从而导致银行可能面临流动性危机。通过保持充足的准备金，银行可以在不面临破产的情况下管理这些取款。此外，中央银行监测银行系统中存款准备金的整体水平，作为控制通货膨胀和稳定经济的努力的一部分。通过准备金要求和公开市场操作等工具，中央银行影响银行可以借出的资金量，从而影响整体经济活动。除了在流动性管理中的作用外，存款准备金也是部分准备金银行体系的关键组成部分。这个系统允许银行通过贷款过程创造货币。当银行贷出其存款的一部分时，它实际上增加了经济中的货币供应量。这一过程被称为货币乘数效应。例如，当银行收到存款并保持10%的存款准备金时，它可以贷出90%的存款。如果借款人花费了这笔贷款，而受款人又将其存入另一家银行，那么那家银行可以贷出新存款的90%，依此类推。这个循环继续进行，导致基于初始存款的总货币供应量显著增加。理解存款准备金不仅对银行家和决策者至关重要，对普通公民来说也同样如此。个人应该意识到他们的存款如何对更广泛的金融系统产生影响，以及银行贷款实践的影响。此外，在经济低迷时期，银行关于其准备金的行为可能会影响利率、信贷可得性，最终影响个人财务。通过掌握存款准备金的概念，个人可以对自己的储蓄和投资做出更明智的决策。总之，存款准备金的概念是现代银行运作的基础。它确保流动性，支持货币政策，并促进经济中的货币创造。随着我们在日益复杂的金融环境中航行，深入理解存款准备金将使我们能够更有思想地与我们的金融机构和更广泛的经济进行互动。