reserve fund

简明释义

备用资金

英英释义

例句

1.The city council allocated a portion of the budget to establish a reserve fund 储备基金 for emergency repairs on public infrastructure.

市议会拨出预算的一部分来建立一个用于公共基础设施紧急维修的储备基金。

2.Our company has set up a reserve fund 储备基金 to ensure we can cover unexpected expenses.

我们公司设立了一个储备基金以确保能够应对意外开支。

3.In case of a natural disaster, the government has a reserve fund 储备基金 ready for immediate relief efforts.

为了应对自然灾害，政府准备了一个储备基金用于立即救援工作。

4.The non-profit organization uses its reserve fund 储备基金 to support community programs during financial downturns.

该非营利组织利用其储备基金在经济低迷期间支持社区项目。

5.After years of saving, the school finally built a reserve fund 储备基金 for future facility upgrades.

经过多年的储蓄，学校终于建立了一个用于未来设施升级的储备基金。

作文

In today's world, financial stability is crucial for both individuals and organizations. One of the key tools that can help achieve this stability is a reserve fund. A reserve fund is essentially a savings account set aside for unexpected expenses or emergencies. By maintaining a reserve fund, individuals and businesses can ensure that they are prepared for unforeseen circumstances that may arise in the future.For individuals, having a reserve fund can provide peace of mind. Life is unpredictable; accidents happen, medical emergencies arise, and job losses can occur. Without a financial safety net, these situations can lead to significant stress and hardship. By setting aside a portion of income into a reserve fund, individuals can create a buffer that allows them to navigate through tough times without falling into debt. Financial experts often recommend having at least three to six months' worth of living expenses saved in a reserve fund to cover any sudden financial shocks.On the organizational level, a reserve fund serves a similar purpose. Businesses face various risks, including market fluctuations, unexpected repairs, and changes in consumer demand. Having a reserve fund allows companies to address these challenges without jeopardizing their operations. For example, if a business experiences a sudden drop in sales, it can draw from its reserve fund to maintain payroll and cover essential expenses until the situation improves. This financial cushion can be the difference between surviving a downturn and facing bankruptcy.Moreover, a reserve fund can also be beneficial for long-term planning. Both individuals and organizations can use their reserve funds to invest in opportunities that require upfront capital. For instance, an individual may want to invest in further education or a new home, while a business might look to expand its operations or launch a new product line. Having a reserve fund enables them to seize these opportunities when they arise, rather than being caught unprepared.However, it is important to note that simply having a reserve fund is not enough. Individuals and organizations must also manage their funds wisely. This includes regularly reviewing the amount saved, ensuring that the funds are liquid and accessible, and considering inflation's impact on the purchasing power of the money saved. Additionally, it is essential to strike a balance between maintaining a reserve fund and investing in other financial opportunities that could yield higher returns.In conclusion, a reserve fund is a vital component of a sound financial strategy for both individuals and businesses. It provides a safety net for unexpected expenses, offers peace of mind, and allows for strategic planning and investment. By prioritizing the establishment and maintenance of a reserve fund, one can significantly enhance their financial resilience and preparedness for the future. In a world where uncertainties abound, having a robust reserve fund can make all the difference in achieving financial stability and security.

在当今世界，财务稳定对个人和组织都至关重要。实现这种稳定的关键工具之一就是储备基金。储备基金本质上是为意外开支或紧急情况而设立的储蓄账户。通过维持储备基金，个人和企业可以确保他们为未来可能出现的不可预见的情况做好准备。对于个人而言，拥有储备基金可以带来心灵的安宁。生活是不可预测的；意外发生，医疗紧急情况出现，失业也可能发生。如果没有财务安全网，这些情况可能会导致重大压力和困境。通过将一部分收入存入储备基金，个人可以创建一个缓冲区，使他们能够在困难时期应对，而不会陷入债务之中。财务专家通常建议至少保存三到六个月的生活费用作为储备基金，以覆盖任何突发的财务冲击。在组织层面，储备基金起着类似的作用。企业面临各种风险，包括市场波动、意外维修和消费者需求变化。拥有储备基金使公司能够应对这些挑战，而不危及其运营。例如，如果一家企业经历了销售的突然下降，它可以从其储备基金中提取资金，以维持工资和支付必要的开支，直到情况好转。这种财务缓冲可以是生存下去与面临破产之间的区别。此外，储备基金对于长期规划也很有益。个人和组织可以利用他们的储备基金投资于需要前期资本的机会。例如，个人可能想要投资于进一步教育或新房，而企业可能希望扩大运营或推出新产品线。拥有储备基金使他们能够在机会出现时抓住这些机会，而不是被迫无准备地面对。然而，重要的是要注意，仅仅拥有储备基金是不够的。个人和组织还必须明智地管理他们的资金。这包括定期审查存款金额，确保资金流动性和可访问性，以及考虑通货膨胀对储蓄购买力的影响。此外，保持储备基金与投资其他可能产生更高回报的财务机会之间的平衡也至关重要。总之，储备基金是个人和企业健全财务战略的重要组成部分。它为意外开支提供了安全网，提供了内心的安宁，并允许进行战略规划和投资。通过优先考虑建立和维护储备基金，个人和企业可以显著增强其财务韧性和未来的准备能力。在一个充满不确定性的世界里，拥有强大的储备基金可以在实现财务稳定和安全方面产生巨大的不同。