bank reserve

简明释义

银行准备金

英英释义

例句

1.A higher bank reserve means that banks have less money available for loans.

较高的银行准备金意味着银行可用于贷款的钱更少。

2.The central bank requires all commercial banks to maintain a certain percentage of their deposits as bank reserve.

中央银行要求所有商业银行保持一定比例的存款作为银行准备金。

3.The bank reserve ratio is an important tool for controlling inflation.

银行准备金比率是控制通货膨胀的重要工具。

4.During financial crises, banks often rely on their bank reserve to stay solvent.

在金融危机期间，银行通常依赖其银行准备金来维持偿付能力。

5.When the economy is booming, banks may reduce their bank reserve to lend more money.

当经济繁荣时，银行可能会减少其银行准备金以放贷更多资金。

作文

The concept of bank reserve plays a crucial role in the banking and financial system. A bank reserve refers to the amount of funds that a bank holds in its vaults or at the central bank, which is not lent out to customers. These reserves are essential for maintaining liquidity and ensuring that banks can meet their obligations to depositors. In essence, bank reserve acts as a safety net for financial institutions, allowing them to manage unexpected withdrawals and maintain stability in the financial system.When individuals deposit money into their accounts, banks are required to keep a certain percentage of those deposits as bank reserves. This requirement is set by regulatory authorities and is known as the reserve requirement ratio. For instance, if a bank has $1 million in deposits and the reserve requirement is 10%, it must hold $100,000 as bank reserves, while the remaining $900,000 can be used for lending activities. This system ensures that banks do not lend out all of their deposits, which could lead to insolvency if too many customers withdraw their funds simultaneously.The management of bank reserves is critical for the overall health of the economy. Central banks, such as the Federal Reserve in the United States, monitor the levels of bank reserves to implement monetary policy effectively. By adjusting the reserve requirement or using other tools such as open market operations, central banks can influence the amount of money that banks can lend, thus impacting interest rates and economic activity.In times of economic uncertainty, banks may increase their bank reserves to prepare for potential losses or increased withdrawals. This behavior can lead to a decrease in lending, which may slow down economic growth. Conversely, when the economy is stable, banks may feel more confident in reducing their bank reserves to increase lending and stimulate economic activity. This delicate balance is vital for ensuring that the banking system remains resilient and capable of supporting the broader economy.Moreover, the digital transformation of banking has also influenced the way bank reserves are managed. With the rise of online banking and fintech companies, the traditional methods of holding reserves are evolving. Banks are now exploring innovative ways to optimize their bank reserves, including utilizing technology to enhance efficiency and reduce costs associated with maintaining physical cash. This shift not only improves the operational aspects of banks but also contributes to a more dynamic financial environment.In conclusion, understanding the significance of bank reserves is essential for grasping the complexities of the financial system. They serve as a buffer against economic fluctuations, ensuring that banks can meet their obligations while also contributing to the overall stability of the economy. As the financial landscape continues to evolve, the management of bank reserves will remain a critical focus for both banks and regulatory authorities. By maintaining adequate reserves, banks can navigate challenges and support sustainable economic growth, ultimately benefiting society as a whole.

“银行储备”这一概念在银行和金融系统中发挥着至关重要的作用。“银行储备”指的是银行在其金库或中央银行持有的资金数量，这些资金并未贷给客户。这些储备对于维持流动性和确保银行能够履行对存款人的义务至关重要。从本质上讲，“银行储备”充当了金融机构的安全网，使它们能够管理意外提款并保持金融系统的稳定。当个人将资金存入账户时，银行被要求将这些存款的一定比例作为“银行储备”保留。这个要求由监管机构设定，被称为准备金要求比率。例如，如果一家银行有100万美元的存款，而准备金要求是10%，那么它必须将10万美元作为“银行储备”保留，而剩下的90万美元可以用于贷款活动。这个系统确保银行不会将所有存款都贷出，这可能导致在太多客户同时提取资金时出现资不抵债的情况。“银行储备”的管理对于经济整体健康至关重要。中央银行，如美国的联邦储备委员会，监测“银行储备”的水平，以有效实施货币政策。通过调整准备金要求或使用其他工具（如公开市场操作），中央银行可以影响银行能够贷款的资金量，从而影响利率和经济活动。在经济不确定时期，银行可能会增加其“银行储备”，以应对潜在损失或提款增加。这种行为可能导致贷款减少，从而减缓经济增长。相反，当经济稳定时，银行可能会更有信心减少其“银行储备”，以增加贷款并刺激经济活动。这种微妙的平衡对于确保银行系统的韧性和支持更广泛的经济能力至关重要。此外，银行的数字化转型也影响了“银行储备”的管理。随着在线银行和金融科技公司的崛起，传统的储备持有方式正在演变。银行现在正在探索创新的方法来优化其“银行储备”，包括利用技术提高效率并降低维护现金的成本。这一转变不仅改善了银行的运营方面，还促进了更具活力的金融环境。总之，理解“银行储备”的重要性对于掌握金融系统的复杂性至关重要。它们作为经济波动的缓冲，确保银行能够履行其义务，同时也为经济的整体稳定做出贡献。随着金融环境的不断演变，“银行储备”的管理将继续成为银行和监管机构的关键关注点。通过保持足够的储备，银行可以应对挑战并支持可持续的经济增长，最终惠及整个社会。