surplus reserves

简明释义

盈余准备金

英英释义

例句

1.During the financial audit, the accountant noted that the surplus reserves could be used for expansion projects.

在财务审计中，会计师指出盈余准备金可以用于扩展项目。

2.The bank reported a significant increase in surplus reserves as it continued to attract more deposits.

银行报告称其盈余准备金显著增加，因为它继续吸引更多存款。

3.Investors are optimistic about the company’s future, given its healthy level of surplus reserves.

鉴于公司健康的盈余准备金水平，投资者对公司的未来持乐观态度。

4.With an increase in surplus reserves, the company was able to offer bonuses to its employees.

由于盈余准备金的增加，公司能够向员工提供奖金。

5.The government decided to utilize part of its surplus reserves to fund public infrastructure improvements.

政府决定利用部分盈余准备金来资助公共基础设施的改善。

作文

In the world of finance and banking, the term surplus reserves refers to the amount of reserves that a bank holds beyond the required minimum set by regulatory authorities. These reserves are essential for maintaining liquidity and ensuring that the bank can meet its obligations to depositors and other creditors. When a bank has surplus reserves, it indicates a healthy financial position, as it has extra funds available that can be utilized for various purposes, such as lending or investing. This concept is crucial for understanding how banks operate and manage their resources effectively.The importance of surplus reserves cannot be overstated, especially during times of economic uncertainty. For instance, during a financial crisis, banks may face a sudden surge in withdrawals from depositors who are anxious about the safety of their funds. If a bank has sufficient surplus reserves, it can easily accommodate these withdrawals without facing liquidity issues. This ability to manage liquidity is vital for maintaining confidence among customers and promoting stability within the financial system.Moreover, surplus reserves play a significant role in monetary policy. Central banks often monitor the levels of reserves held by commercial banks to gauge the overall health of the banking system. When banks have high levels of surplus reserves, it can indicate that they are not lending enough to stimulate economic growth. In such cases, central banks may implement measures to encourage banks to reduce their reserves by increasing lending activities, thereby injecting more money into the economy.On the other hand, having too many surplus reserves can also pose challenges for banks. While it reflects a strong liquidity position, it may suggest that the bank is not efficiently utilizing its capital. Banks earn interest on loans, and if they hold excessive reserves instead of lending them out, they miss out on potential profits. Therefore, banks must strike a balance between maintaining adequate surplus reserves for liquidity purposes and optimizing their lending practices to enhance profitability.In conclusion, surplus reserves are a critical component of a bank's financial health and stability. They provide a buffer against unexpected withdrawals, support effective liquidity management, and influence monetary policy decisions. However, banks must also be mindful of the implications of holding excessive reserves and work towards finding the right equilibrium. Understanding the dynamics of surplus reserves can help individuals and businesses alike make informed decisions regarding their banking relationships and financial strategies. As we navigate through an ever-changing economic landscape, the concept of surplus reserves will continue to be relevant and essential for both banks and their customers.

在金融和银行的世界中，术语超额准备金指的是银行持有的超过监管机构设定的最低要求的准备金金额。这些准备金对于维持流动性和确保银行能够履行对存款人和其他债权人的义务至关重要。当银行拥有超额准备金时，这表明其财务状况健康，因为它有额外的资金可用于各种目的，例如贷款或投资。这个概念对于理解银行如何有效运作和管理其资源至关重要。超额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，银行可能会面临存款人因对资金安全感到焦虑而突然增加的提款。如果银行有足够的超额准备金，它可以轻松满足这些提款，而不会面临流动性问题。这种管理流动性的能力对于维护客户信心和促进金融系统的稳定至关重要。此外，超额准备金在货币政策中也发挥着重要作用。中央银行通常会监测商业银行持有的准备金水平，以评估银行系统的整体健康状况。当银行拥有高水平的超额准备金时，这可能表明它们没有足够地放贷以刺激经济增长。在这种情况下，中央银行可能会实施措施，鼓励银行减少其准备金，通过增加贷款活动向经济注入更多资金。另一方面，持有过多的超额准备金也可能给银行带来挑战。尽管这反映了强大的流动性状况，但它可能表明银行没有有效利用其资本。银行从贷款中赚取利息，如果它们持有过多的准备金而不是将其贷出，就会错失潜在利润。因此，银行必须在维持足够的超额准备金以满足流动性需求和优化其贷款实践以提高盈利能力之间找到平衡。总之，超额准备金是银行财务健康和稳定的重要组成部分。它们为意外提款提供了缓冲，支持有效的流动性管理，并影响货币政策决策。然而，银行还必须注意持有过多准备金的影响，并努力寻求适当的平衡。理解超额准备金的动态可以帮助个人和企业做出明智的决策，关于他们的银行关系和财务策略。随着我们在不断变化的经济环境中航行，超额准备金的概念将继续对银行及其客户具有相关性和重要性。