required reserves

简明释义

存款法定储备金

英英释义

例句

1.The bank must maintain a certain percentage of its deposits as required reserves.

银行必须保持一定比例的存款作为法定准备金。

2.Each bank's required reserves are calculated based on their total deposit liabilities.

每家银行的法定准备金是根据其总存款负债计算的。

3.The Federal Reserve adjusts the required reserves to control inflation.

美联储调整法定准备金以控制通货膨胀。

4.During economic downturns, central banks may lower required reserves to encourage lending.

在经济下滑期间，中央银行可能会降低法定准备金以鼓励放贷。

5.An increase in required reserves can limit the amount of money banks can lend.

增加法定准备金可能会限制银行可以放贷的金额。

作文

In the world of finance, the term required reserves refers to the minimum amount of reserves that a bank must hold against its deposit liabilities. This requirement is set by the central bank of a country and is crucial for maintaining the stability of the banking system. The required reserves ensure that banks have enough liquidity to meet the demands of their customers who may want to withdraw their deposits at any time. Without these reserves, banks could face insolvency if too many customers withdraw their funds simultaneously.The concept of required reserves is vital in the context of monetary policy. Central banks use this tool to control the money supply in the economy. By adjusting the reserve requirement ratio, they can influence how much money banks can lend. For instance, if the central bank lowers the required reserves, banks will have more funds available to lend, which can stimulate economic growth. Conversely, increasing the reserve requirement can help cool down an overheating economy by restricting the amount of money available for loans.Moreover, the required reserves play a significant role during financial crises. In times of uncertainty, banks may find it challenging to attract deposits or may experience a sudden surge in withdrawal requests. Having a solid base of required reserves allows banks to navigate through such turbulent times without jeopardizing their operations. It serves as a buffer that helps maintain confidence among depositors and investors alike.Additionally, required reserves are categorized into two types: demand deposits and time deposits. Demand deposits are those accounts from which funds can be withdrawn at any time without any advance notice, such as checking accounts. Time deposits, on the other hand, require the funds to be held for a fixed period. The reserve requirements for these two types of deposits may differ, reflecting the liquidity needs associated with each.In conclusion, understanding the concept of required reserves is essential for anyone interested in banking and finance. It not only impacts the operations of individual banks but also has broader implications for the overall economy. By ensuring that banks maintain a certain level of reserves, central banks can promote financial stability, encourage responsible lending practices, and ultimately foster economic growth. The health of a banking system is often measured by its ability to manage required reserves effectively, making it a fundamental aspect of modern financial systems.

在金融世界中，术语法定准备金指的是银行必须持有的最低准备金，作为其存款负债的抵押。这一要求由一个国家的中央银行设定，对维护银行系统的稳定至关重要。法定准备金确保银行拥有足够的流动性，以满足客户随时可能提取存款的需求。如果没有这些准备金，如果过多的客户同时提取资金，银行可能会面临破产。在货币政策的背景下，法定准备金的概念至关重要。中央银行利用这一工具来控制经济中的货币供应量。通过调整准备金要求比率，他们可以影响银行能够放贷的金额。例如，如果中央银行降低法定准备金，银行将拥有更多可用于放贷的资金，这可以刺激经济增长。相反，增加准备金要求可以通过限制可用于贷款的资金数量来帮助冷却过热的经济。此外，法定准备金在金融危机期间发挥着重要作用。在不确定时期，银行可能会发现吸引存款变得困难，或者可能会突然面临大量提款请求。拥有坚实的法定准备金基础使银行能够在动荡时期顺利度过，而不会危及其运营。这充当了一个缓冲，有助于在存款人和投资者之间维护信心。此外，法定准备金分为两种类型：活期存款和定期存款。活期存款是指可以随时提取资金的账户，无需提前通知，例如支票账户。另一方面，定期存款要求资金在固定期限内保持。对于这两种类型的存款，其准备金要求可能不同，反映了与每种存款相关的流动性需求。总之，理解法定准备金的概念对任何对银行和金融感兴趣的人来说都是至关重要的。它不仅影响个别银行的运营，还有更广泛的经济影响。通过确保银行维持一定水平的准备金，中央银行可以促进金融稳定，鼓励负责任的放贷实践，并最终促进经济增长。银行系统的健康状况通常通过其有效管理法定准备金的能力来衡量，因此这是现代金融系统的一个基本方面。