reserve requirement clause

简明释义

规定准备条款

英英释义

例句

1.A higher reserve requirement clause can lead to reduced lending capacity for banks.

更高的准备金要求条款可能导致银行的贷款能力降低。

2.The reserve requirement clause dictates how much capital banks must hold to back their deposits.

该准备金要求条款规定了银行必须持有多少资本来支持其存款。

3.Investors should pay attention to the reserve requirement clause in financial contracts as it affects the risk profile.

投资者应关注金融合同中的准备金要求条款，因为它会影响风险特征。

4.The bank's loan agreement included a reserve requirement clause that specified the minimum amount of reserves they must maintain.

银行的贷款协议中包含了一个准备金要求条款，规定他们必须维持的最低准备金金额。

5.Due to changes in the economic environment, the reserve requirement clause was adjusted to ensure liquidity.

由于经济环境的变化，准备金要求条款被调整以确保流动性。

作文

In the realm of finance and banking, understanding the various components that govern monetary policy is crucial for both institutions and individuals. One such component is the reserve requirement clause, which refers to the regulation set by central banks that mandates commercial banks to hold a certain percentage of their deposits in reserve, either as cash in their vaults or as deposits with the central bank. This regulatory measure plays a significant role in ensuring the stability of the banking system and controlling the money supply within an economy.The reserve requirement clause serves multiple purposes. Firstly, it acts as a safeguard against bank runs. By requiring banks to keep a portion of their deposits in reserve, it ensures that they have enough liquidity to meet withdrawal demands from customers. This not only protects individual depositors but also maintains public confidence in the banking system as a whole.Secondly, the reserve requirement clause is a tool for monetary policy. Central banks can adjust the reserve requirements to influence the amount of money that banks can lend. For instance, if the economy is overheating, a central bank may increase the reserve requirement, which would reduce the amount of money available for lending and thus help control inflation. Conversely, during economic downturns, lowering the reserve requirement can stimulate lending and encourage economic growth.Moreover, the reserve requirement clause impacts the overall credit availability in the economy. When banks are required to hold more reserves, they have less capital available to extend loans to businesses and consumers. This can lead to tighter credit conditions, making it more difficult for individuals and businesses to obtain financing. On the other hand, when reserve requirements are lowered, banks can lend more freely, potentially leading to increased spending and investment.Understanding the implications of the reserve requirement clause is essential for anyone interested in the financial markets or economic policy. It illustrates the delicate balance that central banks must maintain to foster economic stability while promoting growth. Additionally, it highlights the interconnectedness of banking regulations and broader economic conditions.In conclusion, the reserve requirement clause is a fundamental aspect of banking regulation that plays a vital role in maintaining financial stability and influencing monetary policy. Its effects ripple through the economy, affecting everything from individual savings to corporate investments. As such, it is imperative for both financial professionals and the general public to grasp the significance of this clause and its impact on the financial landscape. By doing so, they can better navigate the complexities of the economic environment and make informed decisions regarding their finances and investments.

在金融和银行的领域，理解和掌握影响货币政策的各种组成部分对机构和个人都是至关重要的。其中一个组成部分是准备金要求条款，它指的是中央银行设定的规定，要求商业银行将一定比例的存款以现金或存放在中央银行的方式保留作为准备金。这项监管措施在确保银行系统的稳定性和控制经济中的货币供应方面发挥着重要作用。准备金要求条款有多个目的。首先，它充当了防止银行挤兑的保护措施。通过要求银行保留一部分存款作为准备金，它确保银行有足够的流动性来满足客户的提款需求。这不仅保护了个人存款人，也维护了公众对整个银行系统的信心。其次，准备金要求条款是货币政策的工具。中央银行可以调整准备金要求来影响银行能够借出的资金量。例如，如果经济过热，中央银行可能会提高准备金要求，这将减少可用于贷款的资金量，从而帮助控制通货膨胀。相反，在经济低迷时期，降低准备金要求可以刺激贷款并促进经济增长。此外，准备金要求条款还影响经济中的整体信贷可用性。当银行被要求保留更多准备金时，它们可用于向企业和消费者发放贷款的资本就会减少。这可能导致信贷条件收紧，使个人和企业更难获得融资。另一方面，当准备金要求降低时，银行可以更自由地放贷，可能导致支出和投资的增加。理解准备金要求条款的影响对于任何对金融市场或经济政策感兴趣的人来说都是至关重要的。它展示了中央银行必须维持的微妙平衡，以促进经济稳定，同时推动增长。此外，它突显了银行监管与更广泛经济状况之间的相互关联性。总之，准备金要求条款是银行监管的基本方面，在维护金融稳定和影响货币政策方面发挥着重要作用。其影响波及整个经济，影响从个人储蓄到企业投资的方方面面。因此，金融专业人士和普通公众都必须掌握这一条款的重要性及其对金融环境的影响。这样，他们才能更好地应对经济环境的复杂性，并就自己的财务和投资做出明智的决策。