reserve deficiency

简明释义

准备金不足

英英释义

例句

1.Management has developed a strategy to address the reserve deficiency 储备不足 and stabilize finances.

管理层制定了应对reserve deficiency 储备不足并稳定财务的策略。

2.The audit revealed a reserve deficiency 储备不足 that could jeopardize future projects.

审计显示出存在可能危及未来项目的reserve deficiency 储备不足。

3.Investors are concerned about the reserve deficiency 储备不足 and its impact on the company's growth prospects.

投资者对reserve deficiency 储备不足及其对公司增长前景的影响表示担忧。

4.The company reported a significant reserve deficiency 储备不足 in its financial statements, indicating potential liquidity issues.

公司在财务报表中报告了显著的reserve deficiency 储备不足，这表明可能存在流动性问题。

5.Due to unexpected expenses, the organization faced a reserve deficiency 储备不足 that required immediate attention.

由于意外支出，该组织面临着需要立即关注的reserve deficiency 储备不足。

作文

In the world of finance and economics, the term reserve deficiency refers to a situation where an institution, such as a bank, does not have sufficient reserves to meet its obligations. This can occur for various reasons, including poor management decisions, unexpected withdrawals, or economic downturns. Understanding reserve deficiency is crucial for both financial institutions and their customers, as it can lead to significant consequences if not addressed promptly.A bank's reserves are essentially its liquid assets that are available to meet immediate withdrawal demands from customers. These reserves are typically held in the form of cash or deposits with other banks. When a bank experiences a reserve deficiency, it indicates that its available funds are insufficient to cover the demand for withdrawals. This situation can create a ripple effect throughout the financial system, leading to a loss of confidence among customers and potentially resulting in a bank run.The implications of a reserve deficiency go beyond the individual institution. For instance, if one bank faces a liquidity crisis, it may be forced to borrow from other banks or rely on emergency funding from central banks. This borrowing can strain the overall banking system, especially if multiple banks face similar issues simultaneously. Consequently, regulators closely monitor reserve levels to prevent systemic risks and ensure the stability of the financial system.To illustrate the importance of maintaining adequate reserves, consider a hypothetical scenario where a bank has a sudden surge in withdrawal requests due to negative news about its financial health. If the bank has not maintained sufficient reserves, it may struggle to meet these demands. Customers may panic and rush to withdraw their funds, fearing that the bank could collapse. This situation exemplifies how a reserve deficiency can lead to a self-fulfilling prophecy, where fear and panic exacerbate the financial instability.Moreover, the concept of reserve deficiency is not limited to banks alone. Other financial institutions, such as insurance companies and investment firms, also need to manage their reserves effectively. For example, an insurance company must maintain enough reserves to pay out claims to policyholders. If it faces a reserve deficiency, it may not be able to fulfill its obligations, leading to legal repercussions and a loss of trust among clients.In conclusion, understanding reserve deficiency is essential for anyone involved in the financial sector. It highlights the importance of liquidity management and the potential risks associated with inadequate reserves. Both financial institutions and their customers must be aware of this concept to navigate the complexities of the financial landscape effectively. By ensuring that adequate reserves are maintained, banks and other institutions can mitigate the risks associated with reserve deficiency and contribute to a more stable economic environment.

在金融和经济领域，术语储备不足指的是一种情况，即某个机构（如银行）没有足够的储备来满足其义务。这种情况可能由于多种原因而发生，包括管理决策不当、意外提款或经济衰退。理解储备不足对金融机构及其客户至关重要，因为如果不及时解决，可能会导致重大后果。银行的储备本质上是其可用于满足客户即时提款需求的流动资产。这些储备通常以现金或存放在其他银行的存款形式存在。当银行经历储备不足时，这表明其可用资金不足以覆盖提款需求。这种情况可能会在整个金融体系中产生连锁反应，导致客户信心丧失，并可能导致银行挤兑。储备不足的影响不仅限于个别机构。例如，如果一家银行面临流动性危机，它可能被迫向其他银行借款或依赖中央银行的紧急资金。这种借款可能会给整体银行系统带来压力，特别是在多个银行同时面临类似问题的情况下。因此，监管机构密切监控储备水平，以防范系统性风险并确保金融体系的稳定。为了说明保持充足储备的重要性，考虑一个假设场景：由于关于其财务健康的负面新闻，一家银行突然出现提款请求激增。如果该银行没有维持足够的储备，它可能会难以满足这些需求。客户可能会恐慌，急于提取他们的资金，担心银行会倒闭。这种情况示范了如何一个储备不足可以导致自我实现的预言，恐惧和恐慌加剧了金融不稳定。此外，储备不足的概念并不限于银行。其他金融机构，如保险公司和投资公司，也需要有效地管理其储备。例如，保险公司必须维持足够的储备以支付保单持有人的索赔。如果它面临储备不足，可能无法履行其义务，从而导致法律后果和客户信任的丧失。总之，理解储备不足对于任何参与金融行业的人来说都是至关重要的。它突出了流动性管理的重要性以及与储备不足相关的潜在风险。金融机构及其客户必须意识到这一概念，以有效应对金融环境的复杂性。通过确保保持充足的储备，银行和其他机构可以减轻与储备不足相关的风险，并为更稳定的经济环境做出贡献。