total bank reserve

简明释义

银行准备金总额

英英释义

例句

1.A higher total bank reserve 总银行储备 can indicate a stronger banking system.

更高的总银行储备 total bank reserve可能表明银行系统更强大。

2.The government plans to increase the total bank reserve 总银行储备 to stimulate economic growth.

政府计划增加总银行储备 total bank reserve以刺激经济增长。

3.The central bank announced that the total bank reserve 总银行储备 has increased significantly this quarter.

中央银行宣布本季度的总银行储备 total bank reserve显著增加。

4.During the financial audit, the accountant reviewed the total bank reserve 总银行储备 to ensure compliance with regulations.

在财务审计期间，会计审核了总银行储备 total bank reserve以确保符合规定。

5.Investors are closely watching changes in the total bank reserve 总银行储备 as it affects interest rates.

投资者密切关注总银行储备 total bank reserve的变化，因为这会影响利率。

作文

The concept of total bank reserve is fundamental to understanding how banks operate within the financial system. In simple terms, the total bank reserve refers to the total amount of funds that a bank holds in reserve, which includes both cash and deposits held at the central bank. This reserve is crucial for maintaining liquidity and ensuring that banks can meet their obligations to depositors. Understanding the significance of total bank reserve helps us grasp the broader implications for monetary policy and economic stability.A bank's reserves serve several key purposes. Firstly, they provide a safety net for the institution, allowing it to cover withdrawals by customers without facing liquidity issues. When individuals or businesses deposit money into their accounts, banks are required to hold a certain percentage of those deposits as reserves. This requirement is set by the central bank and is known as the reserve requirement ratio. The portion of deposits that banks must keep as reserves directly impacts the total bank reserve.Moreover, the total bank reserve plays a vital role in the lending process. Banks utilize their excess reserves to extend loans to borrowers, which in turn stimulates economic activity. When banks lend money, they effectively create new deposits in the economy, leading to an increase in the overall money supply. This relationship between reserves and lending is a core principle of fractional reserve banking, where banks only need to keep a fraction of deposits on hand while lending out the rest.In times of economic uncertainty, the total bank reserve becomes even more critical. For instance, during a financial crisis, banks may face a surge in withdrawal requests from customers who are anxious about the stability of the financial system. A robust total bank reserve allows banks to manage these withdrawals effectively and maintain confidence among depositors. Central banks often monitor the aggregate reserves of all banks to gauge the health of the banking sector and to implement policies aimed at stabilizing the economy.Furthermore, changes in the total bank reserve can influence interest rates and overall economic growth. For example, if central banks decide to increase reserve requirements, this could lead to a decrease in the amount of money available for lending. Consequently, higher interest rates may emerge, which can slow down borrowing and spending, ultimately impacting economic growth. Conversely, when central banks lower reserve requirements, banks have more capacity to lend, potentially leading to increased economic activity.In conclusion, the total bank reserve is a crucial element of the banking system that affects not only individual banks but also the broader economy. By understanding what total bank reserve means and its implications, we can better appreciate the delicate balance that exists within the financial system. It underscores the importance of prudent banking practices and the role of central banks in maintaining economic stability. As we navigate the complexities of modern finance, keeping a close eye on total bank reserve will be essential for anticipating trends and making informed decisions.

“总银行储备”这一概念对于理解银行在金融体系中的运作至关重要。简单来说，“总银行储备”指的是银行所持有的总资金，包括现金和存放在中央银行的存款。这一储备对维持流动性、确保银行能够满足存款人义务至关重要。理解“总银行储备”的重要性有助于我们把握货币政策和经济稳定的更广泛影响。银行的储备有几个关键用途。首先，它们为机构提供了安全网，使其能够在不面临流动性问题的情况下覆盖客户的提款。当个人或企业将资金存入其账户时，银行被要求将一定比例的存款作为储备。这一要求由中央银行设定，被称为储备要求比率。银行必须保留的存款部分直接影响“总银行储备”。此外，“总银行储备”在贷款过程中也发挥着至关重要的作用。银行利用其超额储备向借款人发放贷款，从而刺激经济活动。当银行贷款时，实际上是在经济中创造新的存款，导致整体货币供应量的增加。这种储备与贷款之间的关系是分数储备银行制度的核心原则，银行只需保留一部分存款，而将其余部分贷出。在经济不确定时期，“总银行储备”变得更加重要。例如，在金融危机期间，银行可能会面临来自客户的提款请求激增，客户对金融体系的稳定性感到焦虑。强大的“总银行储备”使银行能够有效管理这些提款，并在存款人中保持信心。中央银行通常会监测所有银行的总储备，以评估银行部门的健康状况，并实施旨在稳定经济的政策。此外，“总银行储备”的变化可能会影响利率和整体经济增长。例如，如果中央银行决定提高储备要求，这可能会导致可用于贷款的资金减少。因此，可能出现较高的利率，这会减缓借贷和消费，最终影响经济增长。相反，当中央银行降低储备要求时，银行有更多的能力进行贷款，可能导致经济活动的增加。总之，“总银行储备”是银行系统的一个关键要素，不仅影响单个银行，也影响更广泛的经济。通过理解“总银行储备”的含义及其影响，我们可以更好地欣赏金融体系内存在的微妙平衡。这突显了审慎银行实践的重要性以及中央银行在维护经济稳定方面的作用。在我们应对现代金融的复杂性时，密切关注“总银行储备”将对预测趋势和做出明智决策至关重要。