borrowed reserve

简明释义

借入准备金

英英释义

例句

1.The bank had to rely on its borrowed reserve 借入准备金 to meet the sudden withdrawal demands from customers.

银行不得不依赖其借入准备金 borrowed reserve来应对客户突然的提款需求。

2.The bank's borrowed reserve 借入准备金 was significantly higher after the recent economic downturn.

在最近的经济下滑后，银行的借入准备金 borrowed reserve显著增加。

3.During the financial crisis, many financial institutions increased their borrowed reserve 借入准备金 to maintain liquidity.

在金融危机期间，许多金融机构增加了它们的借入准备金 borrowed reserve以维持流动性。

4.A decrease in borrowed reserve 借入准备金 can indicate that a bank is becoming more financially stable.

借入准备金 borrowed reserve的减少可能表明银行的财务状况正在变得更加稳定。

5.The central bank offered lower interest rates to encourage banks to use borrowed reserve 借入准备金 more effectively.

中央银行提供较低的利率以鼓励银行更有效地使用借入准备金 borrowed reserve。

作文

In the world of banking and finance, the term borrowed reserve refers to the funds that a bank borrows from other banks or the central bank to meet its reserve requirements. This concept is crucial for understanding how financial institutions manage liquidity and ensure they have enough capital on hand to meet customer withdrawals and other obligations. When a bank finds itself short on reserves, it can turn to other banks or the central bank to borrow the necessary funds, thus maintaining stability in the financial system.The significance of borrowed reserve becomes particularly apparent during times of economic uncertainty or financial stress. For instance, if a sudden surge in withdrawals occurs, a bank may not have sufficient liquid assets to cover these demands. In such situations, the ability to borrow reserves becomes essential. By acquiring borrowed reserve, banks can quickly respond to liquidity needs without having to sell off assets at potentially unfavorable prices.Moreover, the interest rates associated with borrowed reserve can impact a bank's profitability. When banks borrow from the central bank, they typically pay an interest rate that reflects prevailing economic conditions. If the rate is high, it could eat into a bank's profit margins, making it less desirable to rely on borrowed funds. Conversely, lower borrowing costs can encourage banks to utilize borrowed reserve more freely, which can stimulate lending and investment in the broader economy.Furthermore, the practice of borrowing reserves is also indicative of a bank's overall health and risk management strategy. Banks that frequently rely on borrowed reserve may be perceived as less stable or more prone to financial difficulties. Regulators closely monitor these borrowing patterns to assess the risk levels within the banking sector. A bank that consistently maintains strong reserves and minimizes its reliance on borrowing is often viewed as more resilient and better positioned to weather economic downturns.In addition to individual banks, the concept of borrowed reserve also plays a vital role in the broader monetary policy framework. Central banks use tools such as the discount rate to influence the cost of borrowing for commercial banks. By adjusting these rates, central banks can either encourage or discourage banks from borrowing reserves, thereby impacting the money supply and overall economic activity. For example, during a recession, a central bank may lower the discount rate to make borrowed reserve cheaper, encouraging banks to lend more and stimulate economic growth.In conclusion, the concept of borrowed reserve is fundamental to understanding the dynamics of the banking system and its interaction with monetary policy. It highlights the importance of liquidity management for banks and underscores the delicate balance between maintaining sufficient reserves and managing borrowing costs. As financial markets continue to evolve, the role of borrowed reserve will remain a critical topic of discussion among economists, regulators, and banking professionals alike.

在银行和金融的世界中，短语borrowed reserve指的是银行从其他银行或中央银行借入的资金，以满足其准备金要求。这个概念对于理解金融机构如何管理流动性以及确保他们手头有足够的资本来满足客户取款和其他义务至关重要。当一家银行发现其准备金不足时，可以向其他银行或中央银行借款，从而维持金融系统的稳定。borrowed reserve的重要性在经济不确定或金融压力时期尤为明显。例如，如果突然出现提款激增，银行可能没有足够的流动资产来覆盖这些需求。在这种情况下，借入准备金的能力变得至关重要。通过获取borrowed reserve，银行可以迅速响应流动性需求，而不必以潜在不利价格出售资产。此外，与borrowed reserve相关的利率也会影响银行的盈利能力。当银行向中央银行借款时，通常支付反映当前经济状况的利率。如果利率较高，可能会侵蚀银行的利润空间，使其不愿依赖借入资金。相反，较低的借款成本可以鼓励银行更自由地利用borrowed reserve，这可以刺激更广泛经济中的贷款和投资。此外，借入准备金的做法也表明了银行整体健康状况和风险管理策略。频繁依赖borrowed reserve的银行可能被视为不太稳定或更容易出现财务困难。监管机构密切监测这些借贷模式，以评估银行部门的风险水平。持续保持强大准备金并最小化借款依赖的银行通常被视为更具韧性，更好地应对经济下行。除了单个银行外，borrowed reserve的概念在更广泛的货币政策框架中也发挥着至关重要的作用。中央银行使用如贴现率等工具来影响商业银行借款的成本。通过调整这些利率，中央银行可以鼓励或抑制银行借入准备金，从而影响货币供应和整体经济活动。例如，在经济衰退期间，中央银行可能会降低贴现率，以使borrowed reserve变得更便宜，鼓励银行增加贷款，刺激经济增长。总之，borrowed reserve的概念是理解银行系统动态及其与货币政策互动的基础。它突显了银行流动性管理的重要性，并强调了维持足够准备金与管理借款成本之间的微妙平衡。随着金融市场的不断发展，borrowed reserve的角色将继续成为经济学家、监管者和银行专业人士讨论的关键话题。