reserve against deposit; deposited reserve

简明释义

存款准备,存款准备金

英英释义

例句

1.A higher deposited reserve 存款准备金 can indicate a bank's strong financial health.

较高的存款准备金 存款准备金可以表明银行的财务状况良好。

2.The bank requires a reserve against deposit 存款准备金 to ensure liquidity during economic downturns.

银行要求保持存款准备金 存款准备金以确保在经济低迷期间的流动性。

3.When customers withdraw funds, the deposited reserve 存款准备金 must be sufficient to cover these transactions.

当客户提取资金时，存款准备金 存款准备金必须足够以覆盖这些交易。

4.In times of crisis, banks may need to tap into their reserve against deposit 存款准备金 to manage cash flow.

在危机时期，银行可能需要动用其存款准备金 存款准备金来管理现金流。

5.Regulatory agencies monitor the reserve against deposit 存款准备金 ratios of banks to maintain stability.

监管机构监控银行的存款准备金 存款准备金比率以维持稳定。

作文

In the world of banking and finance, understanding various terms is crucial for both professionals and consumers. One such term that often comes up in discussions about liquidity and financial stability is reserve against deposit; deposited reserve. This phrase refers to the amount of funds that banks are required to keep on hand to meet customer withdrawals and other obligations. By maintaining these reserves, banks ensure they have enough liquidity to cover their liabilities, which is essential for maintaining trust and stability in the financial system.When a customer deposits money into a bank, the bank does not simply store that money away in a vault. Instead, it uses a portion of those deposits to make loans and investments, which can generate profits. However, regulations require banks to hold a certain percentage of deposits as reserves. This is known as the reserve against deposit; deposited reserve. The specific reserve requirement can vary by country and is influenced by factors such as economic conditions and monetary policy.The concept of reserves is vital for understanding how banks operate. For instance, if a bank has $1 million in deposits and the reserve requirement is 10%, it must maintain $100,000 as a reserve against deposit; deposited reserve. This means that the bank can lend out the remaining $900,000. The ability to lend more than what is held in reserves is what allows banks to create money in the economy through the process of fractional reserve banking.However, maintaining adequate reserves is not just a regulatory requirement; it is also a risk management strategy. Banks must balance the need to lend and invest with the necessity of having enough liquidity to meet withdrawal demands. If too many customers withdraw their funds at once, a bank could face a liquidity crisis. This was evident during the financial crisis of 2008 when many banks struggled to maintain their reserves amid rising defaults and decreasing asset values.To mitigate such risks, banks employ various strategies, including diversifying their loan portfolios and holding liquid assets. Additionally, central banks may intervene to provide liquidity to banks facing short-term funding issues. Understanding the dynamics of reserve against deposit; deposited reserve helps individuals grasp the importance of banking stability and the role of central banks in managing the economy.Moreover, the concept of reserves has broader implications for monetary policy. Central banks use reserve requirements as a tool to influence the money supply. By adjusting the reserve ratio, they can either encourage lending and spending in the economy or tighten credit to combat inflation. For example, lowering the reserve requirement allows banks to lend more, potentially stimulating economic growth. Conversely, raising the requirement can help cool down an overheating economy.In conclusion, the phrase reserve against deposit; deposited reserve encapsulates a fundamental aspect of banking operations and financial stability. It highlights the delicate balance banks must maintain between lending and liquidity. A thorough understanding of this concept not only benefits banking professionals but also empowers consumers to make informed decisions about their finances. As we navigate through an increasingly complex financial landscape, grasping the significance of reserves will continue to be essential for fostering a stable and resilient economy.

在银行和金融的世界中，理解各种术语对专业人士和消费者都至关重要。一个经常出现在关于流动性和金融稳定性讨论中的术语是存款准备金；存入准备金。这个短语指的是银行必须保留的资金数量，以满足客户的提款和其他义务。通过维持这些准备金，银行确保他们有足够的流动性来覆盖其负债，这对于维持金融系统的信任和稳定至关重要。当客户将钱存入银行时，银行并不是简单地将这笔钱存放在金库里。相反，它使用一部分存款进行贷款和投资，从中产生利润。然而，法规要求银行保留一定比例的存款作为准备金。这被称为存款准备金；存入准备金。具体的准备金要求因国家而异，并受到经济条件和货币政策等因素的影响。准备金的概念对于理解银行的运作至关重要。例如，如果一家银行有100万美元的存款，而准备金要求是10%，那么它必须保持10万美元作为存款准备金；存入准备金。这意味着银行可以贷出剩余的90万美元。能够贷出超过所持准备金的金额就是银行通过部分准备金银行业务在经济中创造货币的原因。然而，维持足够的准备金不仅仅是法规要求；它也是一种风险管理策略。银行必须在贷款和投资的需求与拥有足够流动性以满足提款需求之间取得平衡。如果太多客户同时提取资金，银行可能会面临流动性危机。这在2008年的金融危机中得到了体现，当时许多银行在违约上升和资产价值下降的情况下难以维持其准备金。为了缓解这种风险，银行采用各种策略，包括多样化其贷款组合和持有流动资产。此外，中央银行可能会干预，为面临短期融资问题的银行提供流动性。理解存款准备金；存入准备金的动态有助于个人理解银行稳定性的重要性以及中央银行在管理经济中的作用。此外，准备金的概念对货币政策也具有更广泛的影响。中央银行利用准备金要求作为影响货币供应的工具。通过调整准备金比率，他们可以鼓励贷款和支出，或者收紧信贷以应对通货膨胀。例如，降低准备金要求允许银行贷出更多，可能刺激经济增长。相反，提高要求可以帮助冷却过热的经济。总之，存款准备金；存入准备金这一短语概括了银行运作和金融稳定性的基本方面。它突显了银行在贷款和流动性之间必须保持的微妙平衡。对这一概念的透彻理解不仅有利于银行专业人士，也使消费者能够做出明智的财务决策。在我们应对日益复杂的金融环境时，掌握准备金的重要性将继续对促进稳定和韧性的经济至关重要。