coefficient of reserve

简明释义

储备系数

英英释义

例句

1.The coefficient of reserve is crucial for actuarial assessments in the insurance industry.

在保险行业中，储备系数对精算评估至关重要。

2.Investors often look at the coefficient of reserve when assessing the stability of a mutual fund.

投资者在评估共同基金的稳定性时通常会关注储备系数。

3.To mitigate risks, the bank increased its coefficient of reserve during economic downturns.

为了降低风险，银行在经济低迷期间提高了其储备系数。

4.The insurance company calculated the coefficient of reserve to ensure they had enough funds to cover future claims.

保险公司计算了储备系数以确保他们有足够的资金来支付未来的索赔。

5.A higher coefficient of reserve indicates a more conservative financial strategy.

更高的储备系数表示更加保守的财务策略。

作文

In the world of finance and economics, various terms and concepts are crucial for understanding how markets operate. One such term is the coefficient of reserve, which plays a significant role in the banking sector and monetary policy. The coefficient of reserve refers to the proportion of deposits that banks are required to hold in reserve and not lend out. This reserve requirement is a critical tool used by central banks to control the money supply and ensure the stability of the financial system.To elaborate, the coefficient of reserve is expressed as a percentage. For example, if a bank has a reserve requirement of 10%, it means that for every $100 deposited, the bank must keep $10 in reserve and can lend out the remaining $90. This mechanism helps banks manage liquidity and ensures that they have enough funds available to meet withdrawal demands from customers.The implications of the coefficient of reserve are far-reaching. A higher reserve requirement means that banks have less money to lend, which can slow down economic growth. Conversely, a lower reserve requirement allows banks to lend more, potentially stimulating economic activity. Central banks, such as the Federal Reserve in the United States, often adjust the coefficient of reserve as part of their monetary policy strategy to influence inflation and employment rates.Moreover, the coefficient of reserve also impacts interest rates. When banks have more reserves, they are less likely to borrow from each other, which can lead to lower interest rates. On the other hand, if the reserve requirement is lowered and banks increase lending, it may lead to higher interest rates due to increased demand for loans.Understanding the coefficient of reserve is essential for both economists and investors. It provides insights into the health of the banking system and the overall economy. For instance, during times of economic uncertainty, central banks may increase the coefficient of reserve to ensure that banks remain solvent and can withstand potential losses. This action can help restore confidence in the financial system and prevent bank runs.In conclusion, the coefficient of reserve is a vital concept within the realm of finance and banking. It serves as a regulatory measure that helps maintain the stability of financial institutions and the economy as a whole. By controlling how much money banks can lend, the coefficient of reserve influences liquidity, interest rates, and ultimately, economic growth. As we continue to navigate an increasingly complex financial landscape, a solid understanding of the coefficient of reserve will be invaluable for anyone involved in economic decision-making or investment strategies.

在金融和经济的世界中，各种术语和概念对于理解市场运作至关重要。其中一个术语是准备金系数，它在银行部门和货币政策中发挥着重要作用。准备金系数指的是银行必须保留的存款比例，而不是贷出。这一准备金要求是中央银行用来控制货币供应量和确保金融系统稳定的重要工具。进一步说明，准备金系数以百分比表示。例如，如果一家银行的准备金要求为10%，这意味着每存入100美元，银行必须保留10美元作为准备金，而可以贷出剩余的90美元。这一机制帮助银行管理流动性，并确保它们拥有足够的资金来满足客户的提款需求。准备金系数的影响深远。较高的准备金要求意味着银行可贷出的资金减少，这可能会减缓经济增长。相反，较低的准备金要求允许银行贷出更多资金，从而可能刺激经济活动。中央银行（如美国的联邦储备系统）通常会根据其货币政策策略调整准备金系数，以影响通货膨胀和就业率。此外，准备金系数还会影响利率。当银行有更多准备金时，它们不太可能相互借款，这可能导致利率下降。另一方面，如果准备金要求降低，银行增加放贷，可能会因贷款需求增加而导致利率上升。理解准备金系数对经济学家和投资者至关重要。它提供了有关银行系统健康状况和整体经济的洞察。例如，在经济不确定时期，中央银行可能会提高准备金系数，以确保银行保持偿付能力并能够承受潜在损失。这一措施可以帮助恢复公众对金融系统的信心，防止银行挤兑。总之，准备金系数是金融和银行领域中的一个重要概念。它作为一种监管措施，有助于维护金融机构和整个经济的稳定。通过控制银行可以贷出的资金，准备金系数影响流动性、利率，最终影响经济增长。随着我们继续在日益复杂的金融环境中航行，对准备金系数的深入理解将对任何参与经济决策或投资策略的人来说都是无价的。