qualifying reserve

简明释义

限定准备金

英英释义

例句

1.The financial institution reported an increase in its qualifying reserve 合格准备金 due to stricter regulatory requirements.

由于更严格的监管要求，金融机构报告其qualifying reserve合格准备金有所增加。

2.To maintain stability, the central bank mandates that all commercial banks hold a minimum qualifying reserve 合格准备金 ratio.

为了保持稳定，中央银行规定所有商业银行必须持有最低的qualifying reserve合格准备金比例。

3.Investors should understand how qualifying reserve 合格准备金 affects the overall risk profile of their portfolio.

投资者应理解qualifying reserve合格准备金如何影响其投资组合的整体风险特征。

4.The qualifying reserve 合格准备金 is crucial for banks to manage their cash flow effectively.

对于银行来说，qualifying reserve合格准备金对有效管理现金流至关重要。

5.The bank requires a certain amount of qualifying reserve 合格准备金 to ensure liquidity during financial crises.

银行要求一定数量的qualifying reserve合格准备金以确保在金融危机期间的流动性。

作文

In the realm of finance and banking, the term qualifying reserve plays a crucial role in ensuring the stability and reliability of financial institutions. A qualifying reserve refers to the minimum amount of liquid assets that a bank or financial institution must hold to meet regulatory requirements and to protect against unexpected losses. This concept is vital for maintaining public confidence in the banking system, as it assures depositors that their funds are safeguarded even in times of financial distress.The importance of qualifying reserves cannot be overstated. During economic downturns, banks may face increased withdrawal requests from customers who fear insolvency. If banks do not maintain sufficient qualifying reserves, they risk running out of liquid funds, which could lead to a bank run—a situation where a large number of customers withdraw their deposits simultaneously. This phenomenon can trigger a domino effect, causing instability not only for the bank in question but also for the entire financial system.Regulatory bodies, such as the Federal Reserve in the United States or the European Central Bank in Europe, establish guidelines for qualifying reserves to ensure that banks operate within safe limits. These regulations require banks to hold a certain percentage of their total deposits as qualifying reserves. This percentage can vary based on the type of institution and the economic environment, but the underlying principle remains the same: to mitigate risks and promote financial stability.Moreover, qualifying reserves are not just a safety net; they also play a significant role in monetary policy. By adjusting the reserve requirements, central banks can influence the amount of money that banks can lend. For example, if a central bank lowers the reserve requirement, banks can lend more money, which can stimulate economic growth. Conversely, increasing the reserve requirement can help cool down an overheating economy by restricting the amount of money available for lending.In addition to regulatory compliance, maintaining adequate qualifying reserves is also a matter of sound business practice. Financial institutions that proactively manage their reserves are better positioned to navigate economic uncertainties. They can respond more effectively to changes in market conditions, customer behavior, and regulatory landscapes. This proactive approach not only enhances the resilience of individual banks but also contributes to the overall health of the financial system.In conclusion, the concept of qualifying reserves is fundamental to the functioning of modern banking. It serves as a protective measure for financial institutions and their customers, ensuring that banks can withstand shocks and maintain liquidity. As we continue to witness fluctuations in the global economy, the significance of qualifying reserves will remain paramount. Understanding and managing these reserves effectively is essential for both regulatory compliance and the long-term success of financial institutions. Therefore, stakeholders in the financial sector must prioritize the management of qualifying reserves to foster a stable and resilient banking environment.

在金融和银行领域，术语合格准备金在确保金融机构的稳定性和可靠性方面发挥着至关重要的作用。合格准备金是指银行或金融机构必须持有的最低流动资产，以满足监管要求并保护自己免受意外损失。这一概念对于维护公众对银行系统的信心至关重要，因为它向存款人保证，即使在金融危机时期，他们的资金也得到了保障。合格准备金的重要性不容低估。在经济衰退期间，银行可能会面临来自客户的提款请求增加，这些客户担心银行破产。如果银行没有保持足够的合格准备金，就有可能面临流动资金短缺的风险，这可能导致银行挤兑——一种大量客户同时提取存款的情况。这种现象不仅会对相关银行造成不稳定，还会引发整个金融系统的连锁反应。监管机构，例如美国的联邦储备委员会或欧洲的欧洲中央银行，制定合格准备金的指导方针，以确保银行在安全限度内运营。这些规定要求银行将其总存款的一定百分比作为合格准备金持有。这个百分比可能根据机构类型和经济环境而有所不同，但基本原则始终相同：减轻风险并促进金融稳定。此外，合格准备金不仅仅是一个安全网；它们在货币政策中也发挥着重要作用。通过调整准备金要求，中央银行可以影响银行能够借出的资金量。例如，如果中央银行降低准备金要求，银行可以借出更多的钱，从而刺激经济增长。相反，提高准备金要求可以通过限制可用于贷款的资金量来帮助冷却过热的经济。除了合规性，保持足够的合格准备金也是良好商业实践的问题。主动管理其准备金的金融机构更能有效应对经济不确定性变化。它们能够更有效地响应市场条件、客户行为和监管环境的变化。这种主动的方法不仅增强了单个银行的韧性，还有助于整体金融系统的健康。总之，合格准备金的概念是现代银行运作的基础。它作为金融机构及其客户的保护措施，确保银行能够抵御冲击并保持流动性。随着我们继续目睹全球经济的波动，合格准备金的重要性将保持首要地位。有效理解和管理这些准备金对于监管合规和金融机构的长期成功至关重要。因此，金融部门的利益相关者必须优先考虑合格准备金的管理，以促进稳定和韧性的银行环境。