bank reserves

简明释义

银行准备金

英英释义

例句

1.The Federal Reserve monitors bank reserves 银行储备 to ensure the stability of the banking system.

联邦储备委员会监控银行储备 银行储备以确保银行系统的稳定性。

2.The central bank increased the required amount of bank reserves 银行储备 that commercial banks must hold.

中央银行提高了商业银行必须持有的银行储备 银行储备的要求。

3.The ratio of bank reserves 银行储备 to deposits is an important indicator of a bank's liquidity.

银行储备与存款的比率是银行流动性的重要指标。

4.An increase in bank reserves 银行储备 can lead to more lending by banks.

增加银行储备 银行储备可能导致银行更多地放贷。

5.During a financial crisis, many banks struggled to maintain adequate bank reserves 银行储备.

在金融危机期间，许多银行努力维持足够的银行储备 银行储备。

作文

Bank reserves play a crucial role in the financial system of any country. They refer to the amount of money that banks hold in their accounts at the central bank, as well as the cash they keep on hand. In simple terms, bank reserves（银行储备） are the funds that banks must maintain to ensure they can meet their liabilities and support their operations. These reserves are essential for maintaining liquidity within the banking system and ensuring that banks can fulfill withdrawal requests from depositors.The concept of bank reserves（银行储备） is particularly important during times of economic uncertainty. When a financial crisis occurs, people tend to withdraw their savings from banks, leading to a potential liquidity crisis. If banks do not have sufficient reserves, they may face insolvency. Hence, central banks often set reserve requirements, which dictate the minimum amount of reserves a bank must hold against its deposits. This regulation helps to stabilize the banking sector and protects consumers' deposits.In addition to the regulatory aspect, bank reserves（银行储备） also play a significant role in monetary policy. Central banks use these reserves to control the money supply and influence interest rates. For instance, when a central bank wants to stimulate the economy, it may lower reserve requirements, allowing banks to lend more money. Conversely, if inflation is a concern, the central bank might increase reserve requirements to restrict lending and reduce the money supply.Moreover, the level of bank reserves（银行储备） can affect the overall economy. High reserve levels indicate that banks are holding onto cash rather than lending it out, which can slow down economic growth. On the other hand, low reserves may suggest that banks are actively lending, potentially leading to increased consumer spending and business investment. Therefore, monitoring the trends in bank reserves（银行储备） is essential for economists and policymakers alike.During the COVID-19 pandemic, many central banks around the world took drastic measures to support their economies. They implemented policies that affected bank reserves（银行储备） directly, such as quantitative easing, which involves the central bank purchasing government securities to increase the reserves of commercial banks. This influx of reserves aimed to encourage banks to lend more, thereby supporting businesses and individuals affected by the pandemic.In conclusion, bank reserves（银行储备） are a fundamental component of the banking system that ensures stability and liquidity. They serve as a buffer against unforeseen economic shocks and are a vital tool for central banks to implement monetary policy. Understanding the dynamics of bank reserves（银行储备） is essential for anyone interested in finance or economics, as it provides insight into how banks operate and how monetary policy can impact the broader economy.