compulsory minimum reserve requirement

简明释义

强制规定的最低存款储备

英英释义

例句

1.Adjusting the compulsory minimum reserve requirement can influence interest rates in the economy.

调整法定最低准备金要求可以影响经济中的利率。

2.The compulsory minimum reserve requirement is a tool used by the central bank to control money supply.

中央银行用法定最低准备金要求作为控制货币供应的工具。

3.Failure to meet the compulsory minimum reserve requirement can result in penalties for financial institutions.

未能满足法定最低准备金要求可能会导致金融机构受到处罚。

4.Banks must comply with the compulsory minimum reserve requirement set by the regulatory authority.

银行必须遵守监管机构设定的法定最低准备金要求。

5.The central bank raised the compulsory minimum reserve requirement to ensure financial stability.

中央银行提高了法定最低准备金要求以确保金融稳定。

作文

The concept of compulsory minimum reserve requirement is crucial in understanding how modern banking systems operate. Essentially, it refers to the minimum amount of reserves that banks are required to hold against their deposit liabilities. This requirement is set by the central bank of a country and is intended to ensure that banks maintain sufficient liquidity to meet customer withdrawals and other obligations. By mandating a certain percentage of deposits to be kept in reserve, the compulsory minimum reserve requirement helps prevent bank runs and promotes stability within the financial system.In practice, when a bank receives deposits from customers, it can only lend out a portion of those deposits while keeping the rest as reserves. For instance, if the compulsory minimum reserve requirement is set at 10%, a bank that receives $1,000 in deposits must keep $100 in reserve and can lend out the remaining $900. This mechanism plays a vital role in controlling the money supply within the economy. When banks lend more money, they effectively create new money through the process of fractional-reserve banking.The implications of the compulsory minimum reserve requirement extend beyond individual banks; they affect the entire economy. During times of economic growth, central banks may lower the reserve requirement to encourage lending and stimulate economic activity. Conversely, during periods of economic downturns or inflation, they may raise the requirements to curb excessive lending and stabilize prices. Therefore, the compulsory minimum reserve requirement serves as a tool for monetary policy, allowing central banks to influence the availability of credit and overall economic conditions.Moreover, the compulsory minimum reserve requirement also impacts the behavior of banks. If the reserve requirement is high, banks may become more cautious in their lending practices, which could lead to tighter credit conditions for consumers and businesses. On the other hand, a lower reserve requirement might encourage banks to take on more risk by extending loans to borrowers who may not qualify under stricter standards. This dynamic illustrates the delicate balance that central banks must maintain when setting these requirements.In conclusion, the compulsory minimum reserve requirement is a fundamental aspect of the banking system that ensures liquidity, promotes stability, and influences economic activity. Understanding its significance helps us appreciate the complexities of monetary policy and the role of central banks in managing the economy. As we navigate through various economic cycles, the adjustments made to the compulsory minimum reserve requirement will continue to play a pivotal role in shaping the financial landscape and ensuring the resilience of our banking institutions.

“强制性最低准备金要求”的概念对于理解现代银行系统的运作至关重要。它基本上是指银行必须持有的最低准备金金额，以应对其存款负债。这一要求由国家的中央银行设定，目的是确保银行保持足够的流动性以满足客户的提款和其他义务。通过规定一定比例的存款必须作为准备金保留，强制性最低准备金要求有助于防止银行挤兑，并促进金融系统的稳定。在实践中，当一家银行收到客户的存款时，它只能将其中的一部分贷出，同时将其余部分作为准备金。例如，如果强制性最低准备金要求设定为10%，那么一家收到$1,000存款的银行必须保留$100作为准备金，并可以贷出剩余的$900。这一机制在控制经济中的货币供应量方面发挥着重要作用。当银行贷出更多资金时，它们通过部分准备金银行业务的过程有效地创造了新货币。强制性最低准备金要求的影响不仅限于个别银行；它们还影响整个经济。在经济增长时期，中央银行可能会降低准备金要求，以鼓励放贷并刺激经济活动。相反，在经济衰退或通货膨胀期间，它们可能会提高要求，以遏制过度放贷并稳定价格。因此，强制性最低准备金要求作为货币政策的工具，使中央银行能够影响信贷的可用性和整体经济状况。此外，强制性最低准备金要求还影响银行的行为。如果准备金要求较高，银行可能会在放贷实践中变得更加谨慎，这可能导致消费者和企业的信贷条件收紧。另一方面，较低的准备金要求可能会鼓励银行承担更多风险，向那些在更严格标准下可能不符合资格的借款人提供贷款。这种动态展示了中央银行在设定这些要求时必须维持的微妙平衡。总之，强制性最低准备金要求是银行系统的一个基本方面，确保流动性、促进稳定并影响经济活动。理解其重要性有助于我们欣赏货币政策的复杂性以及中央银行在管理经济中的角色。当我们在各种经济周期中航行时，对强制性最低准备金要求的调整将继续在塑造金融格局和确保我们银行机构的韧性方面发挥关键作用。