system of reserve against deposit

简明释义

存款准备金制度

英英释义

例句

1.The bank implemented a new system of reserve against deposit to ensure liquidity during economic downturns.

银行实施了一种新的存款准备金制度以确保在经济低迷期间的流动性。

2.A robust system of reserve against deposit helps prevent bank runs during crises.

健全的存款准备金制度有助于防止危机期间的银行挤兑。

3.Understanding the system of reserve against deposit is crucial for financial stability in any economy.

理解存款准备金制度对于任何经济体的金融稳定至关重要。

4.The central bank adjusted the system of reserve against deposit to control inflation rates.

中央银行调整了存款准备金制度以控制通货膨胀率。

5.Investors are more confident when they know there is a strong system of reserve against deposit in place.

当投资者知道有强大的存款准备金制度时，他们会更有信心。

作文

In the world of finance, the stability and trustworthiness of banks play a crucial role in the economy. One of the fundamental concepts that ensure this stability is the system of reserve against deposit. This system refers to the practice where banks are required to hold a certain percentage of their deposits as reserves, either in cash or as deposits with the central bank. This reserve acts as a safety net, ensuring that banks have enough liquidity to meet withdrawal demands from customers. The system of reserve against deposit (存款准备金制度) is essential for maintaining public confidence in the banking system. When individuals deposit money into their bank accounts, they expect to be able to withdraw those funds whenever needed. However, if all depositors were to withdraw their funds simultaneously, it could lead to a bank run, which may result in the bank's collapse. To prevent such scenarios, regulatory authorities impose reserve requirements on banks. These requirements dictate that a specific percentage of total deposits must be kept in reserve, thus limiting the amount of money that banks can lend out. The system of reserve against deposit also plays a significant role in monetary policy. Central banks use reserve requirements as a tool to control the money supply in the economy. By adjusting the reserve ratio, central banks can influence how much money banks can create through lending. For instance, if the central bank wants to stimulate economic growth, it may lower the reserve requirement, allowing banks to lend more money. Conversely, increasing the reserve requirement can help cool down an overheating economy by restricting the money supply. Moreover, the system of reserve against deposit ensures that banks operate within safe limits. Banks are encouraged to manage their assets and liabilities wisely, as they need to maintain a sufficient level of reserves. This prudent management helps to mitigate risks associated with lending and borrowing. Furthermore, it fosters a sense of accountability among banks, as they must adhere to regulations set forth by financial authorities. Another important aspect of the system of reserve against deposit is its contribution to financial stability. By requiring banks to hold reserves, the system helps to cushion the effects of economic shocks. In times of financial distress, banks with adequate reserves are better equipped to handle increased withdrawal demands without resorting to drastic measures, such as selling off assets at unfavorable prices. This stability is vital not only for the banks themselves but also for the overall economy, as it reduces the likelihood of systemic failures that can lead to widespread economic downturns. In conclusion, the system of reserve against deposit is a cornerstone of modern banking practices. It provides a framework for banks to operate safely while instilling confidence in depositors. By ensuring that banks maintain adequate reserves, this system contributes to the stability of the financial system and the economy as a whole. As we continue to navigate the complexities of the financial world, understanding the importance of the system of reserve against deposit will remain essential for both financial professionals and the general public alike.

在金融世界中，银行的稳定性和可信度在经济中发挥着至关重要的作用。确保这种稳定性的基本概念之一是存款准备金制度。该制度是指银行被要求将其存款的一定比例作为准备金保留，无论是以现金形式还是作为与中央银行的存款。这种准备金充当了安全网，确保银行有足够的流动性来满足客户的提款需求。存款准备金制度（system of reserve against deposit）对维护公众对银行系统的信心至关重要。当个人将钱存入银行账户时，他们期望能够在需要时提取这些资金。然而，如果所有存款人同时提取他们的资金，这可能导致银行挤兑，从而可能导致银行崩溃。为了防止这种情况，监管机构对银行施加储备要求。这些要求规定银行必须保持一定比例的总存款作为准备金，从而限制银行可以借出的资金量。存款准备金制度在货币政策中也发挥着重要作用。中央银行使用准备金要求作为控制经济中货币供应的工具。通过调整准备金比率，中央银行可以影响银行通过贷款可以创造多少货币。例如，如果中央银行希望刺激经济增长，它可能会降低准备金要求，使银行能够借出更多资金。相反，增加准备金要求可以通过限制货币供应来帮助降温过热的经济。此外，存款准备金制度确保银行在安全限度内运作。银行被鼓励明智地管理其资产和负债，因为它们需要维持足够的准备金。这种谨慎的管理有助于减轻与借贷相关的风险。此外，它促使银行在遵守金融当局设定的法规方面增强责任感。存款准备金制度的另一个重要方面是其对金融稳定的贡献。通过要求银行持有准备金，该制度有助于缓冲经济冲击的影响。在金融困境时期，拥有足够准备金的银行更能应对增加的提款需求，而无需采取极端措施，例如在不利价格下抛售资产。这种稳定性不仅对银行本身至关重要，也对整体经济至关重要，因为它减少了导致广泛经济衰退的系统性失败的可能性。总之，存款准备金制度是现代银行实践的基石。它为银行的安全运营提供了框架，同时增强了存款人的信心。通过确保银行维持足够的准备金，这一制度有助于金融系统和整体经济的稳定。随着我们继续应对金融世界的复杂性，理解存款准备金制度的重要性将对金融专业人士和公众来说始终至关重要。