net borrowed reserve

简明释义

净借得准备金,净借入准备金

英英释义

例句

1.The bank reported an increase in its net borrowed reserve, indicating a higher reliance on external funding.

银行报告其净借入准备金增加，表明对外部资金的依赖性提高。

2.A decrease in net borrowed reserve can signal improved financial health of a bank.

净借入准备金的减少可能表明银行财务状况改善。

3.During the financial crisis, many institutions had to rely on net borrowed reserve to maintain liquidity.

在金融危机期间，许多机构不得不依赖净借入准备金来维持流动性。

4.The central bank adjusted interest rates, affecting the net borrowed reserve of commercial banks.

中央银行调整利率，影响商业银行的净借入准备金。

5.Regulators closely monitor the net borrowed reserve levels of banks to ensure stability in the financial system.

监管机构密切监测银行的净借入准备金水平，以确保金融系统的稳定。

作文

In the world of finance and banking, understanding various terms is crucial for both professionals and students alike. One such term that often arises in discussions about monetary policy and banking operations is net borrowed reserve. This concept plays a significant role in how banks manage their reserves and respond to changes in economic conditions.To begin with, let's break down what net borrowed reserve means. Essentially, it refers to the amount of reserves that a bank borrows from the central bank after accounting for its own reserves. In simpler terms, if a bank finds itself short on the required reserves, it can borrow from the central bank to meet those requirements. The net borrowed reserve is the net figure that results from this borrowing process, which can fluctuate based on various factors, including the bank's lending activities and the overall demand for loans in the economy.The importance of net borrowed reserve cannot be overstated. It serves as an indicator of a bank's liquidity position and its ability to meet withdrawal demands from customers. When a bank has a high level of net borrowed reserve, it may signal that the institution is facing challenges in maintaining adequate reserves, which could lead to concerns about its financial health. Conversely, a low or negative net borrowed reserve indicates that a bank is managing its reserves effectively and may even have excess liquidity available for lending.Moreover, net borrowed reserve is closely tied to the broader monetary policy implemented by central banks. For instance, during periods of economic downturn, central banks may lower interest rates to encourage borrowing and spending. This can lead to changes in the net borrowed reserve levels across the banking sector, as banks adjust their borrowing from the central bank to meet increased loan demand. Understanding these dynamics is essential for anyone looking to grasp the intricacies of modern banking.In addition to its implications for individual banks, net borrowed reserve also plays a role in the overall stability of the financial system. A banking system with healthy reserve levels is better equipped to withstand shocks and maintain confidence among depositors. Therefore, regulators closely monitor the net borrowed reserve levels across banks to ensure that the financial system remains stable and resilient.In conclusion, the term net borrowed reserve encapsulates a critical aspect of banking operations and monetary policy. By understanding what this term means and its implications for banks and the broader economy, individuals can gain valuable insights into the functioning of the financial system. As we continue to navigate an ever-changing economic landscape, keeping an eye on net borrowed reserve levels will be essential for assessing the health of banks and the effectiveness of monetary policy measures.

在金融和银行的世界里，理解各种术语对专业人士和学生来说至关重要。其中一个在关于货币政策和银行运作的讨论中经常出现的术语是净借入准备金。这个概念在银行管理其准备金和应对经济条件变化方面发挥着重要作用。首先，让我们分解一下净借入准备金的含义。基本上，它指的是银行从中央银行借入的准备金金额，减去其自身的准备金。简单来说，如果一家银行发现自己缺乏所需的准备金，它可以向中央银行借款以满足这些要求。净借入准备金是这一借款过程产生的净值，可能会根据多种因素波动，包括银行的贷款活动和经济中对贷款的整体需求。净借入准备金的重要性不容小觑。它作为银行流动性状况的指标，以及其满足客户提款需求的能力。当一家银行的净借入准备金水平较高时，可能表明该机构在维持充足的准备金方面面临挑战，这可能会引发对其财务健康的担忧。相反，低或负的净借入准备金则表明银行有效管理其准备金，甚至可能有多余的流动性可用于贷款。此外，净借入准备金与中央银行实施的更广泛的货币政策密切相关。例如，在经济低迷时期，中央银行可能会降低利率以鼓励借贷和消费。这可能导致银行部门的净借入准备金水平发生变化，因为银行调整其从中央银行的借款以满足增加的贷款需求。理解这些动态对于任何希望掌握现代银行复杂性的人来说都是至关重要的。除了对个别银行的影响外，净借入准备金还在整个金融系统的稳定性中发挥着作用。拥有健康准备金水平的银行系统更能抵御冲击，并保持存款人之间的信心。因此，监管机构密切监测银行的净借入准备金水平，以确保金融系统保持稳定和弹性。总之，术语净借入准备金概括了银行运作和货币政策的一个关键方面。通过理解这个术语的含义及其对银行和更广泛经济的影响，个人可以获得对金融系统运作的有价值的见解。随着我们继续在不断变化的经济环境中航行，关注净借入准备金水平将对评估银行健康状况和货币政策措施的有效性至关重要。