reserve ratio

简明释义

准备金比率

英英释义

例句

1.Lowering the reserve ratio 准备金率 can help increase liquidity in the market.

降低准备金率 reserve ratio可以帮助增加市场流动性。

2.The government is considering adjusting the reserve ratio 准备金率 to stimulate economic growth.

政府正在考虑调整准备金率 reserve ratio以刺激经济增长。

3.A higher reserve ratio 准备金率 means banks have less money to lend.

更高的准备金率 reserve ratio意味着银行可以借出的资金更少。

4.The central bank decided to increase the reserve ratio 准备金率 to curb inflation.

中央银行决定提高准备金率 reserve ratio以抑制通货膨胀。

5.Banks must comply with the mandated reserve ratio 准备金率 set by the regulatory authority.

银行必须遵守监管机构设定的强制准备金率 reserve ratio。

作文

The concept of the reserve ratio is fundamental in the field of banking and finance. It refers to the percentage of deposits that a bank must hold in reserve and not lend out. This requirement is set by regulatory authorities to ensure that banks maintain sufficient liquidity to meet withdrawal demands from depositors. Understanding the reserve ratio is crucial for both financial institutions and individuals who wish to comprehend how money supply and credit creation work within an economy.When a bank receives deposits, it does not keep all of that money in cash. Instead, it is allowed to lend a portion of those deposits to borrowers. The reserve ratio determines how much of the deposits must be kept as reserves. For example, if a bank has a reserve ratio of 10%, it means that for every $100 deposited, the bank must keep $10 in reserve and can lend out $90. This process of lending creates new money in the economy, as the money lent out can be deposited into another bank, which can then lend out a portion of it again.The implications of the reserve ratio extend beyond individual banks; they affect the overall economy. A lower reserve ratio allows banks to lend more, which can stimulate economic growth by increasing the money supply and encouraging borrowing and spending. Conversely, a higher reserve ratio restricts lending, which can slow down economic activity. Central banks, such as the Federal Reserve in the United States, often adjust the reserve ratio as a tool of monetary policy to manage inflation and stabilize the economy.Moreover, the reserve ratio plays a pivotal role during financial crises. In times of economic uncertainty, banks may face increased withdrawal demands from depositors, leading to potential liquidity issues. A well-calibrated reserve ratio ensures that banks have enough funds available to meet these demands without resorting to emergency measures or government bailouts. Therefore, maintaining an appropriate reserve ratio is essential for the stability of the banking system.Individuals should also be aware of the reserve ratio when considering their savings and investment options. Understanding this concept can help them make informed decisions about where to deposit their money. For instance, knowing that a bank operates with a certain reserve ratio can give depositors insights into the bank's liquidity and its ability to handle withdrawals. This awareness can lead to better choices regarding risk and return on investments.In conclusion, the reserve ratio is a critical element in the functioning of the banking system and the broader economy. It influences how much money banks can lend, affects economic growth, and ensures that financial institutions remain stable. By understanding the reserve ratio, individuals and businesses can gain valuable insights into the dynamics of money supply, credit creation, and the overall health of the economy. As we navigate through various economic climates, the significance of the reserve ratio will continue to be a key topic in discussions about financial stability and growth.

“准备金率”这一概念在银行和金融领域中是基础性的。它指的是银行必须保留的存款百分比，而不是借出。这一要求由监管机构设定，以确保银行保持足够的流动性，以满足存款人提出的取款需求。理解“准备金率”对金融机构和希望理解经济中货币供应和信贷创造运作的个人都至关重要。当银行收到存款时，并不会将所有的钱都以现金形式保存。相反，银行可以将部分存款借给借款人。“准备金率”决定了必须保留多少存款作为准备金。例如，如果一家银行的“准备金率”为10%，这意味着每100美元的存款，银行必须保留10美元作为准备金，可以借出90美元。这种借贷过程在经济中创造了新的货币，因为借出的资金可以再存入另一家银行，而后者又可以借出其中的一部分。“准备金率”的影响超出了个别银行，它们影响着整体经济。较低的“准备金率”允许银行借出更多，这可以通过增加货币供应量和鼓励借贷和消费来刺激经济增长。相反，较高的“准备金率”限制了借贷，这可能会减缓经济活动。中央银行，如美国的联邦储备系统，通常会调整“准备金率”，作为货币政策的一种工具，以管理通货膨胀和稳定经济。此外，“准备金率”在金融危机期间发挥着关键作用。在经济不确定时期，银行可能面临来自存款人的取款需求增加，从而导致潜在的流动性问题。经过良好调整的“准备金率”确保银行拥有足够的资金来应对这些需求，而无需诉诸紧急措施或政府救助。因此，维持适当的“准备金率”对银行体系的稳定至关重要。个人在考虑储蓄和投资选择时也应意识到“准备金率”。理解这一概念可以帮助他们做出明智的决策，关于在哪里存放他们的钱。例如，知道一家银行的“准备金率”可以使存款人了解该银行的流动性及其处理取款的能力。这种意识可以促使他们在风险和收益方面做出更好的选择。总之，“准备金率”是银行系统和更广泛经济运作中的一个关键要素。它影响银行能够借出的金额，影响经济增长，并确保金融机构保持稳定。通过理解“准备金率”，个人和企业可以获得有关货币供应、信贷创造和整体经济健康动态的宝贵见解。在我们穿越各种经济气候时，“准备金率”的重要性将继续成为关于金融稳定和增长讨论的关键主题。