reserve ratio

简明释义

准备金比率

英英释义

例句

1.The bank's reserve ratio is set at 10%, meaning it must keep 10% of deposits as reserves.

该银行的准备金率设定为10%，这意味着它必须将10%的存款作为准备金保留。

2.The central bank announced a decrease in the reserve ratio to encourage lending.

中央银行宣布降低准备金率以鼓励放贷。

3.A higher reserve ratio can help prevent bank runs by ensuring that banks have enough liquid assets.

较高的准备金率可以通过确保银行拥有足够的流动资产来帮助防止银行挤兑。

4.During the financial crisis, regulators increased the reserve ratio to stabilize the banking system.

在金融危机期间，监管机构提高了准备金率以稳定银行系统。

5.Understanding the reserve ratio is crucial for assessing a bank's liquidity.

理解准备金率对于评估银行的流动性至关重要。

作文

The concept of the reserve ratio is fundamental to understanding how banks operate within the financial system. The reserve ratio refers to the fraction of deposits that a bank is required to hold in reserve and not lend out. This ratio is set by the central bank and is crucial for maintaining liquidity and stability in the banking sector. By regulating the reserve ratio, central banks can control the amount of money that banks can create through lending, which in turn affects the overall economy.When a bank receives deposits, it does not keep all of that money on hand. Instead, it is allowed to lend a portion of those deposits to borrowers. The reserve ratio dictates how much of those deposits must be kept in reserve. For instance, if the reserve ratio is set at 10%, a bank that receives $1,000 in deposits must keep $100 in reserve and can lend out $900. This process of lending creates new money in the economy, as the borrowed funds are often deposited again into the banking system, allowing for further lending.The implications of the reserve ratio extend beyond individual banks; they have a significant impact on the economy as a whole. A lower reserve ratio can stimulate economic growth by increasing the amount of money available for loans. This can lead to higher consumer spending and investment, which in turn can boost economic activity. Conversely, a higher reserve ratio can restrict lending and slow down economic growth, as banks have less money available to lend out.Central banks often adjust the reserve ratio as part of their monetary policy tools. During times of economic downturn, they may lower the reserve ratio to encourage banks to lend more, thereby stimulating the economy. On the other hand, during periods of rapid economic growth or inflation, they might increase the reserve ratio to curb excessive lending and maintain price stability.Understanding the reserve ratio is essential for anyone interested in economics or finance. It highlights the delicate balance that central banks must maintain in order to foster a healthy economy. Additionally, it underscores the interconnectedness of banks and the broader financial system. When banks manage their reserves effectively, they contribute to a stable economic environment, while mismanagement can lead to financial crises.In conclusion, the reserve ratio plays a critical role in the functioning of the banking system and the economy. It determines how much money banks can lend and influences overall economic activity. By adjusting the reserve ratio, central banks can steer the economy towards growth or stability, making it a vital concept for understanding modern finance. As we continue to navigate the complexities of the global economy, the importance of the reserve ratio cannot be overstated. It serves as a reminder of the power that financial institutions hold and the responsibility they carry in fostering economic well-being.

‘准备金比率’的概念是理解银行如何在金融系统中运作的基础。‘准备金比率’指的是银行被要求保留的存款比例，这部分存款不能用于放贷。这个比例由中央银行设定，对维护银行部门的流动性和稳定性至关重要。通过调节‘准备金比率’，中央银行可以控制银行通过贷款创造的货币数量，这反过来又影响整体经济。当银行接收存款时，并不会将所有的钱都保留在手中。相反，它被允许将一部分存款贷给借款人。‘准备金比率’决定了这些存款中必须保留多少。例如，如果‘准备金比率’设定为10%，那么一家接收了1000美元存款的银行必须保留100美元作为准备金，并可以贷出900美元。这种放贷过程在经济中创造了新货币，因为借出的资金通常会再次存入银行系统，从而允许进一步的放贷。‘准备金比率’的影响不仅限于个别银行；它对整个经济也有显著影响。较低的‘准备金比率’可以通过增加可用于贷款的资金量来刺激经济增长。这可能导致消费者支出和投资增加，进而推动经济活动的增长。相反，较高的‘准备金比率’可能限制放贷并减缓经济增长，因为银行可用于放贷的资金减少。中央银行经常调整‘准备金比率’，作为其货币政策工具的一部分。在经济衰退期间，它们可能会降低‘准备金比率’，以鼓励银行放贷，从而刺激经济。另一方面，在经济快速增长或通货膨胀期间，它们可能会提高‘准备金比率’，以遏制过度放贷并保持价格稳定。理解‘准备金比率’对任何对经济或金融感兴趣的人来说都是至关重要的。它突显了中央银行必须维持的微妙平衡，以促进健康的经济。此外，它还强调了银行与更广泛金融系统之间的相互联系。当银行有效管理其准备金时，它们有助于建立一个稳定的经济环境，而管理不善则可能导致金融危机。总之，‘准备金比率’在银行系统和经济运作中发挥着关键作用。它决定了银行可以放贷多少，并影响整体经济活动。通过调整‘准备金比率’，中央银行可以引导经济走向增长或稳定，这使其成为理解现代金融的重要概念。随着我们继续应对全球经济的复杂性，‘准备金比率’的重要性不容小觑。它提醒我们金融机构所拥有的力量以及在促进经济福祉方面所承担的责任。