deposit reserve ratio

简明释义

存款准备金比例

英英释义

例句

1.The central bank decided to increase the deposit reserve ratio 存款准备金率 to control inflation.

中央银行决定提高存款准备金率 deposit reserve ratio以控制通货膨胀。

2.A higher deposit reserve ratio 存款准备金率 means banks have less money to lend.

更高的存款准备金率 deposit reserve ratio意味着银行可贷资金减少。

3.Changes in the deposit reserve ratio 存款准备金率 can significantly impact lending rates.

对存款准备金率 deposit reserve ratio的变化可以显著影响贷款利率。

4.Banks must comply with the deposit reserve ratio 存款准备金率 set by the central bank.

银行必须遵守中央银行设定的存款准备金率 deposit reserve ratio。

5.During a financial crisis, the government may lower the deposit reserve ratio 存款准备金率 to stimulate the economy.

在金融危机期间，政府可能会降低存款准备金率 deposit reserve ratio以刺激经济。

作文

The financial world is filled with various terms and concepts that can sometimes be overwhelming. One such term is the deposit reserve ratio, which plays a crucial role in the banking system. Understanding this concept is essential for anyone interested in finance or economics. The deposit reserve ratio (存款准备金率) refers to the percentage of deposits that banks are required to hold in reserve and not lend out. This ratio is set by central banks and is a key tool in monetary policy. To grasp the importance of the deposit reserve ratio, it is vital to understand how banks operate. When individuals deposit money into their bank accounts, the bank does not keep all of that money in a vault. Instead, they only keep a fraction of those deposits as reserves, while the rest is used for lending purposes. This practice allows banks to generate profit through interest on loans. However, maintaining a certain level of reserves is necessary to ensure that banks can meet withdrawal demands from customers. The deposit reserve ratio serves several functions in the economy. Firstly, it helps to control the money supply. By adjusting the ratio, central banks can influence how much money is available for lending. For instance, if the central bank lowers the deposit reserve ratio, banks can lend out a larger portion of their deposits, which can stimulate economic growth. Conversely, increasing the ratio means banks must hold more in reserve, potentially slowing down lending and reducing inflation. Moreover, the deposit reserve ratio acts as a safety net for the banking system. It ensures that banks have enough liquidity to handle customer withdrawals, thereby maintaining public confidence in the financial system. If people believe that their money is safe and accessible, they are more likely to deposit their funds in banks, which in turn supports the overall stability of the economy. However, the deposit reserve ratio is not without its criticisms. Some argue that overly restrictive ratios can hinder economic growth by limiting the amount of money available for businesses and consumers. On the other hand, too low a ratio could lead to excessive risk-taking by banks, potentially resulting in financial crises. Therefore, finding the right balance is crucial for economic stability. In conclusion, the deposit reserve ratio (存款准备金率) is a fundamental aspect of the banking system that influences the economy's health. It determines how much money banks can lend out and plays a significant role in monetary policy. Understanding this concept is essential for anyone looking to navigate the complexities of finance and economics. As the global economy continues to evolve, the role of the deposit reserve ratio will remain a critical topic for discussion among policymakers, economists, and financial professionals alike.

金融世界充满了各种术语和概念，有时可能会让人感到不知所措。其中一个术语是存款准备金率，它在银行系统中发挥着至关重要的作用。理解这个概念对于任何对金融或经济感兴趣的人来说都是必不可少的。存款准备金率（deposit reserve ratio）指的是银行被要求保留的存款百分比，而不是借出。这个比例由中央银行设定，是货币政策的一个关键工具。要理解存款准备金率的重要性，首先需要了解银行是如何运作的。当个人将钱存入银行账户时，银行并不会将所有这些钱都放在保险箱里。相反，他们只保留一部分存款作为准备金，而其余的则用于贷款。这种做法使银行能够通过贷款利息产生利润。然而，保持一定水平的准备金是必要的，以确保银行能够满足客户的提款需求。存款准备金率在经济中发挥着几个功能。首先，它有助于控制货币供应。通过调整比例，中央银行可以影响可用于贷款的资金量。例如，如果中央银行降低存款准备金率，银行就可以借出更多的存款，这可以刺激经济增长。相反，增加比率意味着银行必须保留更多的准备金，可能会减缓贷款并降低通胀。此外，存款准备金率作为银行系统的安全网。它确保银行有足够的流动性来处理客户提款，从而维护公众对金融系统的信心。如果人们相信他们的钱是安全且可以随时取用的，他们更有可能将资金存入银行，这反过来又支持了经济的整体稳定。然而，存款准备金率并非没有批评。有些人认为，过于严格的比率可能会通过限制可用于企业和消费者的资金数量来阻碍经济增长。另一方面，过低的比率可能导致银行过度冒险，最终可能导致金融危机。因此，找到合适的平衡对经济稳定至关重要。总之，存款准备金率（deposit reserve ratio）是银行系统的一个基本方面，影响着经济的健康。它决定了银行可以借出的资金数量，并在货币政策中发挥着重要作用。理解这个概念对于任何想要驾驭金融和经济复杂性的人来说都是必不可少的。随着全球经济的不断发展，存款准备金率的作用将继续成为政策制定者、经济学家和金融专业人士讨论的重要话题。