nonborrowed reserves

简明释义

非借入准备,非借入储备

英英释义

例句

1.When analyzing the bank's balance sheet, we noticed a significant amount of nonborrowed reserves that could support lending activities.

在分析银行的资产负债表时，我们注意到有大量的非借入准备金可以支持贷款活动。

2.The Federal Reserve closely monitors nonborrowed reserves to gauge the effectiveness of its monetary policy.

美联储密切关注非借入准备金以评估其货币政策的有效性。

3.Banks prefer to hold a higher level of nonborrowed reserves to maintain financial stability during economic downturns.

银行更愿意持有较高水平的非借入准备金以在经济低迷期间维持财务稳定。

4.A rise in nonborrowed reserves can lead to lower interest rates, as banks have more funds available for loans.

增加的非借入准备金可能导致利率下降，因为银行可用于贷款的资金增多。

5.The central bank reported an increase in nonborrowed reserves, indicating stronger liquidity in the banking system.

中央银行报告称，非借入准备金增加，表明银行系统的流动性更强。

作文

Understanding the concept of nonborrowed reserves is essential for grasping the intricacies of monetary policy and banking operations. In the realm of finance, nonborrowed reserves refer to the portion of a bank's reserves that are not obtained through borrowing from other financial institutions or the central bank. Instead, these reserves are generated through the bank's own deposits and other income sources. This distinction is crucial because it impacts how banks manage their liquidity and respond to changes in monetary policy.When a bank has sufficient nonborrowed reserves, it indicates that the institution is in a stable position to meet its obligations without relying on external sources of funding. This stability is vital during times of financial uncertainty, as it allows banks to maintain their lending activities without fear of over-leveraging. Furthermore, the level of nonborrowed reserves directly influences a bank's ability to create loans. The more reserves a bank has, the more it can lend, which in turn stimulates economic growth.The Federal Reserve, America’s central bank, plays a significant role in influencing the levels of nonborrowed reserves within the banking system. Through various monetary policy tools, such as open market operations, the Fed can increase or decrease the amount of reserves available to banks. For instance, when the Fed purchases government securities, it injects liquidity into the banking system, thereby increasing the nonborrowed reserves of commercial banks. Conversely, when the Fed sells securities, it absorbs liquidity and reduces the nonborrowed reserves.In addition to affecting the overall economy, the management of nonborrowed reserves has implications for individual banks' health. Banks must carefully monitor their reserve levels to ensure they comply with regulatory requirements while also maximizing their lending potential. A bank with low nonborrowed reserves may face challenges in meeting withdrawal demands from customers or fulfilling loan commitments, leading to potential liquidity crises.Moreover, the relationship between nonborrowed reserves and interest rates is another critical area of focus. When banks have ample nonborrowed reserves, they may lower interest rates on loans to attract borrowers, thus stimulating economic activity. On the other hand, if nonborrowed reserves are scarce, banks may increase interest rates to compensate for the increased risk associated with lending.In conclusion, nonborrowed reserves are a fundamental aspect of banking and monetary policy that reflects a bank's financial health and its ability to contribute to economic growth. By understanding the dynamics of nonborrowed reserves, one can better appreciate the mechanisms that underpin financial stability and economic development. As we navigate through various economic cycles, the significance of maintaining adequate levels of nonborrowed reserves cannot be overstated, as it serves as a buffer against potential financial shocks and promotes sustainable growth in the economy.

理解非借入准备金的概念对于掌握货币政策和银行运作的复杂性至关重要。在金融领域，非借入准备金指的是银行的准备金中未通过向其他金融机构或中央银行借款获得的部分。相反，这些准备金是通过银行自己的存款和其他收入来源产生的。这一区分至关重要，因为它影响着银行如何管理流动性以及如何应对货币政策的变化。当一家银行拥有足够的非借入准备金时，这表明该机构处于稳定的位置，可以在不依赖外部资金来源的情况下履行其义务。这种稳定性在金融不确定时期至关重要，因为它使银行能够维持其贷款活动，而不必担心过度杠杆。此外，非借入准备金的水平直接影响着银行创造贷款的能力。银行拥有的准备金越多，它就能借出的资金越多，从而刺激经济增长。美国的中央银行——联邦储备系统在影响银行体系中非借入准备金水平方面发挥着重要作用。通过各种货币政策工具，例如公开市场操作，美联储可以增加或减少可供银行使用的准备金数量。例如，当美联储购买政府证券时，它向银行体系注入流动性，从而增加商业银行的非借入准备金。相反，当美联储出售证券时，它吸收流动性并减少非借入准备金。除了影响整体经济外，非借入准备金的管理对个别银行的健康状况也有影响。银行必须仔细监控其准备金水平，以确保它们遵守监管要求，同时最大化其贷款潜力。准备金不足的银行可能面临满足客户提款需求或履行贷款承诺的挑战，从而导致潜在的流动性危机。此外，非借入准备金与利率之间的关系也是一个关键关注领域。当银行拥有充足的非借入准备金时，它们可能会降低贷款利率以吸引借款人，从而刺激经济活动。另一方面，如果非借入准备金稀缺，银行可能会提高利率以补偿与贷款相关的风险增加。总之，非借入准备金是银行和货币政策的基本方面，反映了银行的财务健康状况及其对经济增长的贡献能力。通过理解非借入准备金的动态变化，人们可以更好地欣赏支撑金融稳定和经济发展的机制。在我们经历各种经济周期时，维持足够的非借入准备金的重要性不容小觑，因为它作为抵御潜在金融冲击的缓冲，并促进经济的可持续增长。