reserve fund

简明释义

储备基金

英英释义

例句

1.The nonprofit organization relies on its reserve fund to maintain operations during lean times.

该非营利组织依靠其储备基金在经济困难时期维持运营。

2.During the financial review, the accountant highlighted the importance of having a reserve fund.

在财务审查中，会计师强调了拥有一个储备基金的重要性。

3.Our company allocates a portion of its profits to a reserve fund for future investments.

我们公司将部分利润分配到一个储备基金中用于未来投资。

4.The government suggested that citizens contribute to a reserve fund for disaster relief.

政府建议公民为灾难救助捐款建立一个储备基金。

5.The city council has established a reserve fund to handle unexpected emergencies.

市议会设立了一个储备基金以应对突发的紧急情况。

作文

In today's rapidly changing economic landscape, the importance of financial planning cannot be overstated. One crucial element of effective financial management is the establishment of a reserve fund. A reserve fund (储备基金) serves as a safety net for individuals and organizations alike, providing the necessary resources to navigate unexpected expenses or financial downturns. A reserve fund can be defined as a sum of money set aside for future use, typically reserved for emergencies or unforeseen circumstances. For individuals, this might mean having a certain amount of savings in a bank account that can be accessed quickly in case of job loss, medical emergencies, or urgent home repairs. For businesses, a reserve fund is essential for maintaining operations during tough times, such as economic recessions or sudden drops in revenue.The process of building a reserve fund involves careful budgeting and disciplined saving. It is recommended to start by determining how much money should be allocated to this fund each month. Financial experts often suggest saving at least three to six months' worth of living expenses in personal reserve funds. This ensures that you have enough cushion to cover essential costs while you recover from any financial setback.For businesses, the size of the reserve fund may vary based on the industry and the company's overall financial health. A startup might aim for a smaller reserve fund, while a larger corporation may require a more substantial amount to safeguard against potential risks. Regardless of the size, the key is to ensure that the reserve fund is easily accessible yet separate from everyday operational funds, allowing for quick access when needed without disrupting regular cash flow.Furthermore, the benefits of having a reserve fund extend beyond mere financial security. Knowing that there is a safety net available can alleviate stress and provide peace of mind. This psychological benefit is particularly significant for entrepreneurs who often face unpredictable market conditions. With a reserve fund, they can make bolder business decisions without the constant fear of financial ruin.Moreover, a well-maintained reserve fund can also enhance credibility. For businesses, having a reserve indicates to investors and stakeholders that the company is financially responsible and prepared for uncertainties. This can lead to better investment opportunities and partnerships, ultimately contributing to long-term success.In conclusion, whether for personal finances or business operations, establishing a reserve fund (储备基金) is a vital step towards achieving financial stability. It requires discipline, planning, and foresight, but the rewards are well worth the effort. By prioritizing the creation of a reserve fund, individuals and organizations can secure their futures and navigate the complexities of financial challenges with confidence.

在当今快速变化的经济环境中，财务规划的重要性不容小觑。有效财务管理的一个关键要素是建立一个储备基金。储备基金（reserve fund）作为个人和组织的安全网，为应对意外开支或经济低迷提供必要的资源。储备基金可以定义为为未来使用而预留的一笔资金，通常用于紧急情况或不可预见的情况。对于个人来说，这可能意味着在银行账户中有一定金额的储蓄，可以在失业、医疗紧急情况或紧急房屋维修时迅速获得。对于企业而言，储备基金对于在困难时期维持运营至关重要，例如经济衰退或收入突然下降。建立储备基金的过程涉及仔细的预算和自律的储蓄。建议首先确定每月应分配到该基金的金额。财务专家通常建议个人的储备基金至少应储蓄三到六个月的生活费用。这确保您有足够的缓冲来覆盖基本费用，同时在任何财务挫折中恢复。对于企业而言，储备基金的规模可能会根据行业和公司的整体财务健康状况而有所不同。初创公司可能会设定较小的储备基金目标，而大型公司可能需要更大数额以保护自己免受潜在风险。无论大小，关键是确保储备基金易于访问，但与日常运营资金分开，从而在需要时能够迅速获得，而不会干扰正常现金流。此外，拥有一个良好的储备基金的好处不仅仅限于财务安全。知道有安全网可用可以减轻压力，提供心理上的安宁。这种心理益处对于面临不可预测市场条件的企业家尤其重要。有了储备基金，他们可以做出更大胆的商业决策，而不必时刻担心财务破产。此外，维护良好的储备基金还可以增强信誉。对于企业而言，拥有储备表明公司财务负责任，并为不确定性做好准备。这可以带来更好的投资机会和合作伙伴关系，最终有助于长期成功。总之，无论是个人财务还是企业运营，建立一个储备基金（reserve fund）是实现财务稳定的重要一步。这需要自律、规划和远见，但回报绝对值得付出努力。通过优先考虑建立储备基金，个人和组织可以确保未来，并自信地应对财务挑战的复杂性。