compulsory minimum reserve requirements

简明释义

中央银行规定的强制性最低存款准备金额

英英释义

例句

1.Failure to meet the compulsory minimum reserve requirements 法定最低准备金要求 can result in penalties for financial institutions.

未能满足法定最低准备金要求 compulsory minimum reserve requirements可能会导致金融机构受到罚款。

2.Banks must comply with the compulsory minimum reserve requirements 法定最低准备金要求 set by the regulatory authority.

银行必须遵守监管机构设定的法定最低准备金要求 compulsory minimum reserve requirements。

3.Due to economic instability, the government may adjust the compulsory minimum reserve requirements 法定最低准备金要求 to control inflation.

由于经济不稳定，政府可能会调整法定最低准备金要求 compulsory minimum reserve requirements以控制通货膨胀。

4.The central bank has increased the compulsory minimum reserve requirements 法定最低准备金要求 for commercial banks to ensure greater liquidity.

中央银行提高了商业银行的法定最低准备金要求 compulsory minimum reserve requirements以确保更大的流动性。

5.The compulsory minimum reserve requirements 法定最低准备金要求 are crucial for maintaining the stability of the banking system.

保持银行系统稳定的关键是法定最低准备金要求 compulsory minimum reserve requirements。

作文

The financial system plays a crucial role in the stability and growth of an economy. One of the key components that ensure this stability is the concept of compulsory minimum reserve requirements. These requirements dictate the amount of funds that banks must hold in reserve against their deposit liabilities. In essence, it is a regulatory mandate that prevents banks from lending out all the money they receive from depositors. This mechanism is vital for maintaining liquidity in the banking system and safeguarding against bank runs.The history of compulsory minimum reserve requirements dates back to the early 20th century when central banks recognized the need for regulations to stabilize the banking sector. By requiring banks to maintain a certain percentage of their deposits as reserves, central banks can control the money supply and influence interest rates. For example, during times of economic expansion, central banks might lower reserve requirements to encourage lending and investment. Conversely, in times of economic downturn, increasing these requirements can help curb excessive lending and promote financial stability.Moreover, compulsory minimum reserve requirements serve as a safety net for the banking system. By ensuring that banks have enough reserves, regulators can prevent situations where banks become insolvent due to unexpected withdrawals by depositors. This is particularly important in a fractional reserve banking system, where banks only keep a fraction of deposits on hand. If too many customers withdraw their funds simultaneously, it could lead to a liquidity crisis. Therefore, these requirements act as a buffer, providing banks with the necessary liquidity to meet withdrawal demands.In addition to promoting stability, compulsory minimum reserve requirements also play a role in monetary policy. Central banks can adjust these requirements to influence economic activity. For instance, if a central bank wants to stimulate the economy, it can reduce the reserve requirement, allowing banks to lend more money. This increased lending can lead to higher consumer spending and investment, which in turn can boost economic growth. On the other hand, if inflation is a concern, raising reserve requirements can help slow down the economy by restricting the amount of money available for lending.However, the effectiveness of compulsory minimum reserve requirements can vary depending on the broader economic context. During periods of economic uncertainty, even with lower reserve requirements, banks may be hesitant to lend due to fears of defaults. Similarly, in a booming economy, banks may find ways to circumvent these requirements through various financial instruments. Thus, while these regulations are essential, they must be implemented alongside other monetary policy tools to achieve desired economic outcomes.In conclusion, compulsory minimum reserve requirements are a fundamental aspect of the banking system that promotes stability, liquidity, and effective monetary policy. By mandating that banks hold a portion of their deposits in reserve, regulators can mitigate risks associated with bank runs and ensure that the financial system operates smoothly. As economies evolve and face new challenges, the role of these requirements will continue to be a topic of discussion among economists and policymakers alike. Understanding their significance is crucial for anyone interested in the dynamics of modern finance and the health of the economy as a whole.

金融系统在经济的稳定和增长中发挥着至关重要的作用。确保这种稳定性的关键组成部分之一是强制性最低准备金要求这一概念。这些要求规定了银行必须保留多少资金作为其存款负债的准备金。实际上，这是一项监管规定，防止银行将所有收到的存款贷出。这个机制对于维持银行系统的流动性和防范银行挤兑至关重要。强制性最低准备金要求的历史可以追溯到20世纪初，当时中央银行认识到需要通过法规来稳定银行部门。通过要求银行保持一定比例的存款作为准备金，中央银行可以控制货币供应量并影响利率。例如，在经济扩张时期，中央银行可能会降低准备金要求，以鼓励贷款和投资。相反，在经济衰退时期，提高这些要求可以帮助抑制过度贷款，促进金融稳定。此外，强制性最低准备金要求还充当银行系统的安全网。通过确保银行拥有足够的准备金，监管机构可以防止由于存款人意外提款而导致银行破产的情况。这在部分准备金银行体系中尤为重要，因为银行仅保留一部分的存款。如果太多客户同时提取资金，可能会导致流动性危机。因此，这些要求作为缓冲，为银行提供必要的流动性以满足提款需求。除了促进稳定之外，强制性最低准备金要求在货币政策中也发挥着作用。中央银行可以调整这些要求以影响经济活动。例如，如果中央银行希望刺激经济，可以降低准备金要求，让银行贷出更多资金。这种增加的贷款可以导致消费者支出和投资的增加，从而推动经济增长。另一方面，如果通货膨胀成为问题，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减缓经济。然而，强制性最低准备金要求的有效性可能因更广泛的经济背景而异。在经济不确定时期，即使准备金要求降低，银行也可能由于担心违约而不愿意放贷。同样，在繁荣的经济中，银行可能会通过各种金融工具找到规避这些要求的方法。因此，尽管这些规定至关重要，但必须与其他货币政策工具一起实施，以实现预期的经济结果。总之，强制性最低准备金要求是银行系统的一个基本方面，促进了稳定、流动性和有效的货币政策。通过规定银行必须将一部分存款保留为准备金，监管机构可以减轻与银行挤兑相关的风险，并确保金融系统的顺利运作。随着经济的发展和面临的新挑战，这些要求的角色将继续成为经济学家和政策制定者讨论的话题。理解它们的重要性对于任何对现代金融动态和整体经济健康感兴趣的人来说都是至关重要的。