reserve bank

简明释义

准备银行

英英释义

例句

1.The reserve bank announced a new monetary policy to combat inflation.

该中央银行宣布了一项新的货币政策以对抗通货膨胀。

2.The reserve bank plays a crucial role in maintaining economic stability.

该中央银行在维护经济稳定方面发挥着至关重要的作用。

3.Investors are closely watching the decisions made by the reserve bank this week.

投资者正在密切关注本周中央银行做出的决定。

4.The reserve bank intervened in the foreign exchange market to stabilize the currency.

为了稳定货币，中央银行介入了外汇市场。

5.Interest rates set by the reserve bank can affect loan costs for consumers.

由中央银行设定的利率会影响消费者的贷款成本。

作文

The role of a reserve bank in a country's economy is pivotal. A reserve bank is essentially the central bank of a nation, responsible for managing the currency, money supply, and interest rates. It acts as a regulatory authority that oversees the banking system and implements monetary policy to ensure economic stability. In many countries, the reserve bank also plays a crucial role in maintaining the financial system's integrity by acting as a lender of last resort during financial crises.One of the primary functions of a reserve bank is to control inflation. Inflation occurs when there is too much money chasing too few goods, leading to rising prices. By adjusting interest rates, a reserve bank can influence borrowing and spending behaviors in the economy. For instance, if inflation is high, the reserve bank may raise interest rates to cool down the economy, making loans more expensive and saving more attractive. Conversely, during periods of low inflation or recession, it may lower interest rates to encourage borrowing and stimulate economic activity.Furthermore, a reserve bank manages the country’s foreign exchange and gold reserves. This function is essential for maintaining the value of the national currency and ensuring that the country can meet its international obligations. By intervening in foreign exchange markets, the reserve bank can stabilize the currency and protect it from excessive volatility, which can impact trade and investment.Another critical responsibility of a reserve bank is to supervise and regulate commercial banks. This oversight ensures that banks operate safely and soundly, protecting depositors and the overall financial system. The reserve bank establishes capital requirements, conducts stress tests, and monitors the health of the banking sector. By maintaining a robust banking system, the reserve bank helps to foster public confidence in the financial system.In addition to these roles, a reserve bank often serves as the government's bank. It manages the government’s accounts, facilitates payments, and issues government securities. This function is vital for effective fiscal management and helps the government finance its operations without resorting to excessive borrowing from the public.Moreover, a reserve bank plays an important role in promoting financial inclusion. By providing access to banking services and financial education, it helps underserved populations participate in the financial system. This effort not only contributes to economic growth but also promotes social equity.In conclusion, the significance of a reserve bank cannot be overstated. It is the backbone of a nation's financial system, ensuring stability, regulating banks, controlling inflation, and promoting economic growth. Understanding the various functions and responsibilities of a reserve bank is essential for anyone interested in economics or finance. As we navigate an increasingly complex global economy, the role of the reserve bank will continue to evolve, adapting to new challenges and opportunities. In summary, a reserve bank (中央银行) is crucial for managing a nation’s economy, overseeing the banking sector, controlling inflation, and ensuring financial stability. Its multifaceted role makes it an indispensable institution in the financial landscape of any country.

一个国家的中央银行在经济中的作用至关重要。中央银行本质上是一个国家的中央银行，负责管理货币、货币供应和利率。它充当监管机构，监督银行系统并实施货币政策，以确保经济稳定。在许多国家，中央银行在维护金融系统的完整性方面也发挥着关键作用，在金融危机期间充当最后贷款人。中央银行的主要职能之一是控制通货膨胀。通货膨胀发生在过多的货币追逐过少的商品时，导致价格上涨。通过调整利率，中央银行可以影响经济中的借贷和消费行为。例如，如果通货膨胀高，中央银行可能会提高利率以冷却经济，使贷款更昂贵，使储蓄更具吸引力。相反，在低通货膨胀或衰退期间，它可能会降低利率以鼓励借贷并刺激经济活动。此外，中央银行管理国家的外汇和黄金储备。这一职能对于维持国家货币的价值以及确保国家能够履行国际义务至关重要。通过干预外汇市场，中央银行可以稳定货币，保护其免受过度波动的影响，这可能会影响贸易和投资。中央银行的另一个关键责任是监督和监管商业银行。这种监督确保银行安全稳健地运营，保护存款人和整体金融系统。中央银行设定资本要求，进行压力测试，并监测银行部门的健康状况。通过维护强健的银行系统，中央银行帮助增强公众对金融系统的信心。除了这些角色，中央银行通常还作为政府的银行。它管理政府的账户，促进支付，并发行政府证券。这一职能对于有效的财政管理至关重要，有助于政府在不依赖公众过度借贷的情况下为其运作提供资金。此外，中央银行在促进金融包容性方面也发挥着重要作用。通过提供银行服务和金融教育，它帮助服务不足的人群参与金融体系。这一努力不仅有助于经济增长，还促进了社会公平。总之，中央银行的重要性不容小觑。它是国家金融系统的支柱，确保稳定，监管银行，控制通货膨胀，并促进经济增长。理解中央银行的各种职能和责任对于任何对经济学或金融感兴趣的人来说都是至关重要的。随着我们在日益复杂的全球经济中航行，中央银行的角色将继续演变，以适应新的挑战和机遇。总之，中央银行（中央银行）对于管理国家经济、监督银行部门、控制通货膨胀和确保金融稳定至关重要。其多方面的角色使其成为任何国家金融格局中不可或缺的机构。