reserve for possible loan losses

简明释义

债务损失准备

英英释义

例句

1.During the quarterly review, the financial team assessed the reserve for possible loan losses to ensure it was adequate.

在季度审查期间，财务团队评估了可能贷款损失准备金以确保其充足。

2.The increase in the reserve for possible loan losses suggested that the bank anticipated a rise in delinquent loans.

可能贷款损失准备金的增加表明银行预期逾期贷款将上升。

3.The bank set aside a significant amount in its reserve for possible loan losses to prepare for potential defaults.

银行在其可能贷款损失准备金中拨出了一笔可观的金额，以应对潜在的违约。

4.Investors often look at the reserve for possible loan losses as an indicator of a bank's risk management strategy.

投资者通常将可能贷款损失准备金视为银行风险管理策略的一个指标。

5.The company's annual report highlighted changes in the reserve for possible loan losses and its impact on profitability.

公司的年度报告强调了可能贷款损失准备金的变化及其对盈利能力的影响。

作文

In the world of finance and banking, the concept of a reserve for possible loan losses plays a crucial role in ensuring the stability and reliability of financial institutions. This term refers to the funds that banks set aside to cover potential losses from loans that may not be repaid. Understanding this concept is essential for both financial professionals and consumers who rely on banks for loans and other financial services.When a bank issues a loan, it takes on the risk that the borrower may default, meaning they are unable to repay the loan. To mitigate this risk, banks create a reserve for possible loan losses or an allowance for doubtful accounts. This reserve acts as a financial cushion, allowing the bank to absorb potential losses without jeopardizing its overall financial health.The process of determining the appropriate amount to reserve involves analyzing various factors, including the creditworthiness of borrowers, economic conditions, and historical data on loan defaults. Banks use sophisticated models and assessments to estimate the likelihood of loan defaults and adjust their reserves accordingly. This proactive approach helps banks maintain their capital ratios and ensures they can continue to operate effectively, even during economic downturns.For consumers, understanding the importance of the reserve for possible loan losses can provide insight into how banks manage risk. It highlights the fact that banks are not just lending money blindly; they are making informed decisions based on data and analysis. This can give borrowers confidence that their lenders are taking steps to protect themselves and their customers.However, it is also important to recognize that a high level of reserves may indicate underlying issues within a bank's loan portfolio. If a bank has significantly increased its reserve for possible loan losses, it may suggest that the institution is facing challenges with its borrowers' ability to repay loans. This situation can lead to a decrease in lending activity, as banks become more cautious in extending credit.Moreover, regulatory bodies closely monitor the reserves that banks maintain. They require banks to adhere to specific guidelines regarding the amount of reserves needed based on their loan portfolios. This oversight is designed to ensure that banks remain solvent and can withstand financial shocks, thereby protecting depositors and the broader economy.In conclusion, the reserve for possible loan losses is a vital aspect of banking that serves to safeguard financial institutions against potential risks associated with lending. By setting aside funds to cover anticipated losses, banks can navigate uncertain economic environments while continuing to provide essential services to consumers and businesses. For anyone involved in financial transactions, whether as a lender or borrower, understanding this concept can lead to better decision-making and a greater appreciation for the complexities of the banking system. Ultimately, the effectiveness of these reserves contributes to the overall stability of the financial sector, which is crucial for economic growth and prosperity.

在金融和银行的世界中，‘reserve for possible loan losses’这一概念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。这个术语指的是银行为弥补可能无法偿还的贷款而预留的资金。理解这一概念对于金融专业人士和依赖银行进行贷款及其他金融服务的消费者来说都是至关重要的。当银行发放贷款时，它承担着借款人可能违约的风险，这意味着他们无法偿还贷款。为了降低这一风险，银行会建立一个‘reserve for possible loan losses’或可疑账户准备金。这个准备金充当了财务缓冲，使银行能够吸收潜在的损失，而不会危及其整体财务健康。确定适当准备金额的过程涉及分析各种因素，包括借款人的信用状况、经济条件以及贷款违约的历史数据。银行使用复杂的模型和评估来估算贷款违约的可能性，并相应调整其准备金。这种主动的方式帮助银行维持其资本比率，并确保它们能够在经济低迷时期继续有效运营。对于消费者而言，理解‘reserve for possible loan losses’的重要性可以提供对银行如何管理风险的洞察。这突显了银行并不是盲目放贷；它们是基于数据和分析做出明智的决策。这可以让借款人有信心，知道他们的贷方正在采取措施来保护自己和客户。然而，也需要认识到，高水平的准备金可能表明银行贷款组合中存在潜在问题。如果一家银行显著增加了其‘reserve for possible loan losses’，这可能表明该机构面临着借款人偿还贷款能力的挑战。这种情况可能导致贷款活动的减少，因为银行在扩大信贷时变得更加谨慎。此外，监管机构密切监控银行保持的准备金。它们要求银行遵循有关根据其贷款组合所需准备金数量的具体指导。这种监督旨在确保银行保持偿付能力，能够抵御金融冲击，从而保护存款人和更广泛的经济。总之，‘reserve for possible loan losses’是银行业的一个重要方面，旨在保护金融机构免受与放贷相关的潜在风险。通过预留资金以弥补预期损失，银行能够在不确定的经济环境中航行，同时继续为消费者和企业提供必要的服务。对于任何参与金融交易的人，无论是作为贷方还是借款人，理解这一概念都可以导致更好的决策和对银行系统复杂性的更大欣赏。最终，这些准备金的有效性有助于金融部门的整体稳定，而这对经济增长和繁荣至关重要。