covered reserve

简明释义

提存准备金

英英释义

例句

1.A well-managed covered reserve 有保障的储备 can protect a business from unexpected expenses.

管理良好的 covered reserve 有保障的储备 可以保护企业免受意外支出的影响。

2.The bank requires a certain amount of covered reserve 有保障的储备 to ensure liquidity during financial crises.

银行要求一定数量的 covered reserve 有保障的储备 以确保在金融危机期间的流动性。

3.The insurance policy includes a clause about maintaining a covered reserve 有保障的储备 for claims.

保险政策包括一项关于维持 covered reserve 有保障的储备 以应对索赔的条款。

4.Investors feel more secure when they know the company has a strong covered reserve 有保障的储备 in its financial statements.

当投资者知道公司在财务报表中有强大的 covered reserve 有保障的储备 时，他们会感到更安全。

5.During the audit, the accountant confirmed that the covered reserve 有保障的储备 met regulatory requirements.

在审计过程中，会计确认 covered reserve 有保障的储备 符合监管要求。

作文

In the world of finance and banking, terms often carry significant weight in their implications and applications. One such term is covered reserve, which plays a crucial role in the financial stability of banks and financial institutions. Understanding this term requires a look into its definition and the context in which it operates. A covered reserve refers to funds that a bank or financial institution holds as a safeguard against potential losses. These reserves are 'covered' by assets that can be easily liquidated, ensuring that the institution has immediate access to cash when needed. The importance of covered reserves cannot be overstated, especially in times of economic uncertainty. For example, during a financial crisis, banks face increased withdrawal demands from customers who may fear insolvency. Having a robust amount of covered reserves allows these institutions to meet withdrawal requests without resorting to emergency measures that could further destabilize their operations. This is particularly vital for maintaining customer trust and confidence in the banking system.Moreover, regulatory bodies often mandate that banks maintain a certain level of covered reserves to ensure systemic stability. Regulations such as the Basel Accords set forth requirements for capital adequacy and liquidity, compelling banks to keep enough reserves to cover potential losses. This not only protects the individual bank but also contributes to the overall health of the financial system.Another aspect of covered reserves is their influence on lending practices. When banks have substantial reserves, they are more likely to extend loans to businesses and consumers, thus stimulating economic growth. Conversely, if a bank's covered reserves are low, it may tighten its lending criteria, leading to reduced credit availability in the market. This interplay between reserves and lending is crucial for understanding how monetary policy affects the economy.In addition to their practical implications, covered reserves also serve as a tool for financial planning within institutions. By analyzing their reserve levels, banks can make informed decisions about investment opportunities, risk management, and operational strategies. Institutions with higher covered reserves may feel more secure in pursuing aggressive growth strategies, while those with lower reserves might adopt a more conservative approach.In conclusion, the concept of covered reserves is integral to the functioning of modern banking and finance. It not only provides a buffer against unforeseen challenges but also plays a pivotal role in regulatory compliance and economic stability. As we continue to navigate an ever-changing financial landscape, the significance of covered reserves will remain a focal point for both financial institutions and regulators alike. Understanding this term empowers stakeholders to make better-informed decisions, ultimately contributing to a more resilient financial system.

在金融和银行的世界中，术语往往在其含义和应用上具有重要意义。其中一个术语是覆盖准备金，它在银行和金融机构的财务稳定性中发挥着至关重要的作用。理解这个术语需要了解其定义以及它所运作的背景。覆盖准备金是指银行或金融机构作为对潜在损失的保障而持有的资金。这些准备金由可以轻松变现的资产“覆盖”，确保机构在需要时能够立即获取现金。覆盖准备金的重要性不容小觑，尤其是在经济不确定时期。例如，在金融危机期间，银行面临来自客户的增加提款要求，客户可能担心破产。拥有充足的覆盖准备金使这些机构能够满足提款请求，而无需诉诸可能进一步破坏其运营的紧急措施。这对于维护客户对银行系统的信任和信心尤为重要。此外，监管机构通常要求银行维持一定水平的覆盖准备金以确保系统稳定。巴塞尔协议等法规规定了资本充足性和流动性要求，迫使银行保持足够的准备金以涵盖潜在损失。这不仅保护了单个银行，还促进了整个金融系统的健康。覆盖准备金的另一个方面是其对贷款实践的影响。当银行拥有大量准备金时，它们更有可能向企业和消费者发放贷款，从而刺激经济增长。相反，如果银行的覆盖准备金较低，它可能会收紧贷款标准，导致市场上可用信贷减少。这种准备金与贷款之间的相互作用对于理解货币政策如何影响经济至关重要。除了实际意义外，覆盖准备金还作为机构内部财务规划的工具。通过分析其准备金水平，银行可以做出有关投资机会、风险管理和运营策略的明智决策。拥有较高覆盖准备金的机构可能会在追求激进增长战略时感到更安全，而准备金较低的机构可能会采取更保守的方法。总之，覆盖准备金的概念是现代银行和金融运作的核心。它不仅提供了应对不可预见挑战的缓冲，而且在合规和经济稳定中发挥着关键作用。随着我们继续在不断变化的金融环境中航行，覆盖准备金的重要性将继续成为金融机构和监管者的焦点。理解这一术语使利益相关者能够做出更明智的决策，最终有助于建立一个更具韧性的金融系统。