reserve ratio

简明释义

准备比率，准备金比率

英英释义

例句

1.The central bank decided to lower the reserve ratio to encourage more lending.

中央银行决定降低准备金率以鼓励更多贷款。

2.Investors are concerned that an increase in the reserve ratio could lead to tighter credit conditions.

投资者担心，准备金率的增加可能导致信贷条件收紧。

3.A higher reserve ratio means that banks must hold more funds in reserve, limiting their ability to lend.

更高的准备金率意味着银行必须保留更多资金作为准备金，从而限制其贷款能力。

4.In times of economic downturn, the government may adjust the reserve ratio to stimulate growth.

在经济衰退时期，政府可能会调整准备金率以刺激增长。

5.Banks need to maintain a certain reserve ratio to comply with regulatory requirements.

银行需要维持一定的准备金率以遵守监管要求。

作文

The concept of the reserve ratio is fundamental to understanding how banks operate and manage their liquidity. In simple terms, the reserve ratio refers to the percentage of a bank's deposits that must be held in reserve and not lent out. This requirement is set by central banks to ensure that financial institutions maintain a certain level of cash on hand to meet customer withdrawals and other obligations. The reserve ratio plays a crucial role in the banking system as it helps to maintain stability and confidence among depositors.When a bank receives deposits from customers, it does not keep all of that money in its vaults. Instead, it is allowed to lend out a portion of those deposits to borrowers, which can stimulate economic growth. However, the reserve ratio ensures that a bank retains enough funds to satisfy withdrawal requests. For example, if a bank has a reserve ratio of 10%, it means that for every $100 deposited, the bank must keep $10 in reserve and can lend out $90.The implications of the reserve ratio are significant. A higher reserve ratio means that banks have less money available to lend, which can slow down economic activity. Conversely, a lower reserve ratio allows banks to lend more money, potentially leading to increased spending and investment in the economy. Central banks adjust the reserve ratio as a tool of monetary policy to influence economic conditions. During times of economic downturn, they may lower the reserve ratio to encourage lending and stimulate growth. On the other hand, they might increase the reserve ratio during periods of inflation to curb excessive borrowing and spending.Understanding the reserve ratio is also important for individual savers and investors. When the reserve ratio is low, it may indicate that banks are willing to take on more risk, which could lead to higher interest rates on loans but also higher returns on savings accounts. Conversely, a high reserve ratio might signal a more conservative banking environment where interest rates are lower, but the safety of deposits is prioritized.In conclusion, the reserve ratio is a critical component of the banking system that helps to regulate the flow of money in the economy. By requiring banks to hold a certain percentage of deposits in reserve, central banks aim to promote stability and protect consumers. As such, understanding the reserve ratio is essential for anyone looking to navigate the complexities of modern finance, whether they are managing personal finances or analyzing broader economic trends. The balance struck by the reserve ratio ultimately impacts everything from individual savings to national economic health.

“准备金率”这一概念对于理解银行的运作和流动性管理至关重要。简单来说，准备金率是指银行必须保留的存款百分比，这部分存款不能被借出。这个要求是由中央银行设定的，目的是确保金融机构维持一定水平的现金，以满足客户的提款和其他义务。准备金率在银行系统中发挥着至关重要的作用，因为它有助于维持存款人之间的稳定和信心。当银行收到客户存款时，并不会将所有资金都存放在金库里。相反，银行被允许将一部分存款借给借款人，这可以刺激经济增长。然而，准备金率确保银行保留足够的资金来满足提款请求。例如，如果一家银行的准备金率为10%，那么每100美元存款，银行必须保留10美元的准备金，可以借出90美元。准备金率的影响是显著的。较高的准备金率意味着银行可供借出的资金较少，这可能会减缓经济活动。相反，较低的准备金率允许银行借出更多资金，可能导致经济中的支出和投资增加。中央银行作为货币政策的工具，会调整准备金率以影响经济状况。在经济衰退时期，它们可能会降低准备金率，以鼓励贷款和刺激增长。另一方面，在通货膨胀时期，它们可能会提高准备金率，以遏制过度借贷和消费。理解准备金率对于个人储户和投资者也很重要。当准备金率较低时，可能表明银行愿意承担更多风险，这可能导致贷款利率上升，但储蓄账户的回报也可能更高。相反，较高的准备金率可能表明一种更为保守的银行环境，其中利率较低，但优先考虑存款的安全性。总之，准备金率是银行系统中一个关键组成部分，有助于调节经济中的资金流动。通过要求银行保留一定比例的存款作为准备金，中央银行旨在促进稳定并保护消费者。因此，理解准备金率对于任何希望驾驭现代金融复杂性的人来说都是必不可少的，无论是管理个人财务还是分析更广泛的经济趋势。准备金率所达到的平衡最终影响着从个人储蓄到国家经济健康的方方面面。