borrowed reserve

简明释义

借入准备金

英英释义

例句

1.Understanding how borrowed reserve 借入准备金 works is crucial for managing a bank's balance sheet.

理解借入准备金 borrowed reserve的运作对管理银行资产负债表至关重要。

2.The central bank provided borrowed reserve 借入准备金 to help banks maintain liquidity.

中央银行提供了借入准备金 borrowed reserve以帮助银行维持流动性。

3.During the financial crisis, many institutions used borrowed reserve 借入准备金 to stabilize their operations.

在金融危机期间，许多机构使用借入准备金 borrowed reserve来稳定其运作。

4.The increase in borrowed reserve 借入准备金 indicates that banks are facing higher liquidity demands.

增加的借入准备金 borrowed reserve表明银行面临更高的流动性需求。

5.The bank had to rely on its borrowed reserve 借入准备金 to meet the sudden demand for withdrawals.

银行不得不依赖其借入准备金 borrowed reserve以满足突然的提款需求。

作文

In the world of finance and banking, understanding the concept of borrowed reserve is crucial for both financial institutions and regulators. A borrowed reserve refers to the funds that a bank borrows from another financial institution or the central bank to meet its reserve requirements. This borrowing can occur overnight or for a short duration, and it is essential for maintaining liquidity in the banking system.To better understand the importance of borrowed reserve, we must first explore the concept of reserves. Banks are required by law to hold a certain percentage of their deposits as reserves, which can be either in the form of cash in their vaults or as deposits with the central bank. These reserves are critical for ensuring that banks have enough liquidity to meet customer withdrawals and other obligations. However, there are times when a bank may find itself short on reserves, particularly if it has experienced a sudden increase in withdrawals or has made significant loans that deplete its cash reserves.This is where borrowed reserve comes into play. When a bank needs additional reserves to comply with regulatory requirements or to maintain its operational stability, it can borrow from another bank or the central bank. This borrowing helps the bank to manage its liquidity effectively and ensures that it remains solvent. For instance, if Bank A has a reserve requirement of 10% but only has 8% in reserves, it can borrow the necessary funds from Bank B or the central bank to cover the shortfall.The process of borrowing reserves is typically facilitated through the interbank lending market, where banks lend to and borrow from each other. The interest rates for these loans can vary based on market conditions and the creditworthiness of the borrowing bank. Central banks also play a significant role in this process by providing a safety net for banks in need of liquidity. They often set the discount rate, which is the interest rate charged to commercial banks for borrowing funds directly from the central bank. By adjusting this rate, central banks can influence the overall level of borrowing in the financial system.Moreover, borrowed reserve is not just a tool for individual banks; it also has broader implications for the economy. When banks borrow reserves, it can lead to an increase in lending activity, which stimulates economic growth. Conversely, if banks are reluctant to borrow or if the cost of borrowing is too high, it can lead to a tightening of credit, which may slow down economic activity. Thus, understanding how borrowed reserve operates within the banking system is vital for policymakers aiming to promote economic stability and growth.In conclusion, the concept of borrowed reserve is integral to the functioning of modern banking. It allows banks to maintain adequate reserves, manage liquidity, and support lending activities. As we continue to navigate the complexities of the financial system, recognizing the role of borrowed reserve will be essential for both financial professionals and regulators. By ensuring that banks can access the necessary funds when needed, we can promote a stable and efficient banking environment that benefits the entire economy.

在金融和银行的世界中，理解借入准备金的概念对于金融机构和监管者来说至关重要。借入准备金是指银行从其他金融机构或中央银行借入的资金，以满足其准备金要求。这种借款可以发生在隔夜或短期内，对于维持银行系统的流动性至关重要。为了更好地理解借入准备金的重要性，我们必须首先探讨准备金的概念。法律要求银行将其存款的一定比例作为准备金，这可以是现金储存在其金库中，也可以是存放在中央银行的存款。这些准备金对于确保银行有足够的流动性以满足客户提款和其他义务至关重要。然而，有时银行可能会发现自己准备金不足，特别是在经历了突然增加的提款或进行了大量贷款而耗尽现金储备的情况下。这时，借入准备金就派上用场了。当银行需要额外的准备金以遵守监管要求或保持运营稳定时，它可以向另一家银行或中央银行借款。这种借款有助于银行有效管理其流动性，并确保其保持偿付能力。例如，如果银行A的准备金要求为10%，但实际上只有8%的准备金，它可以从银行B或中央银行借入必要的资金来弥补缺口。借入准备金的过程通常通过银行间借贷市场进行，在这个市场上，银行相互借贷。根据市场条件和借款银行的信用状况，这些贷款的利率可能会有所不同。中央银行在这个过程中也扮演着重要角色，为需要流动性的银行提供安全网。它们通常设定贴现率，即商业银行直接向中央银行借款时所收取的利率。通过调整这一利率，中央银行可以影响金融系统中的整体借款水平。此外，借入准备金不仅是个别银行的工具；它对经济也有更广泛的影响。当银行借入准备金时，可能会导致贷款活动的增加，从而刺激经济增长。相反，如果银行不愿意借款或借款成本过高，可能会导致信贷紧缩，从而减缓经济活动。因此，理解借入准备金在银行系统中的运作对于旨在促进经济稳定和增长的政策制定者来说至关重要。总之，借入准备金的概念是现代银行运作不可或缺的一部分。它使银行能够维持足够的准备金、管理流动性并支持贷款活动。随着我们继续应对金融系统的复杂性，认识到借入准备金的作用对于金融专业人士和监管者都是必不可少的。通过确保银行在需要时可以获得必要的资金，我们可以促进一个稳定和高效的银行环境，从而使整个经济受益。