specific reserve

简明释义

特别准备金

英英释义

例句

1.The bank set aside a specific reserve for potential loan defaults.

银行为潜在的贷款违约拨出了一个特定准备金。

2.A specific reserve was created to address environmental cleanup costs.

为了应对环境清理成本，创建了一个特定准备金。

3.Investors are advised to maintain a specific reserve to cover unexpected expenses.

建议投资者保持一个特定准备金以应对意外支出。

4.The accountant recommended that we establish a specific reserve for future litigation.

会计师建议我们设立一个特定准备金以应对未来的诉讼。

5.The company reported a specific reserve in its financial statements to comply with regulations.

公司在财务报表中报告了一个特定准备金以遵守法规。

作文

In the world of finance and banking, the concept of a specific reserve plays a crucial role in ensuring the stability and reliability of financial institutions. A specific reserve refers to the portion of a bank's assets that is set aside to cover specific liabilities or potential losses. This practice is essential for managing risk and maintaining the trust of depositors and investors alike. To illustrate the importance of a specific reserve, let us consider the example of a bank that has issued a significant number of loans. These loans represent a liability for the bank, as they are expected to be repaid over time. However, there is always a risk that some borrowers may default on their loans due to various reasons such as economic downturns or personal financial difficulties. To mitigate this risk, the bank will allocate a specific reserve to cover potential losses from these defaults. This reserve acts as a financial cushion, allowing the bank to absorb losses without jeopardizing its overall financial health.Furthermore, regulatory bodies often require banks to maintain a certain level of specific reserves to ensure that they can meet their obligations and protect depositors' funds. This requirement is part of broader regulations aimed at promoting stability within the financial system. By enforcing these rules, regulators help prevent bank failures that could lead to wider economic crises.The management of specific reserves is not only important for individual banks but also for the overall economy. When banks maintain adequate reserves, they can continue to lend money to businesses and consumers, which in turn stimulates economic growth. Conversely, if banks do not manage their reserves effectively, they may face liquidity issues that can lead to a credit crunch, negatively impacting economic activity.Moreover, the concept of a specific reserve extends beyond traditional banking. It is also applicable in other sectors, such as insurance, where companies must set aside funds to cover specific claims that may arise in the future. In both cases, the principle remains the same: setting aside resources to prepare for potential future obligations.In conclusion, understanding the significance of a specific reserve is vital for anyone interested in finance and economics. It serves as a protective measure for banks and other financial institutions, ensuring they can withstand unexpected challenges. By maintaining appropriate levels of specific reserves, financial entities contribute to the overall health of the economy, fostering confidence among consumers and investors. As we navigate through an increasingly complex financial landscape, the role of specific reserves will undoubtedly remain a key focus area for regulators, financial institutions, and scholars alike.

在金融和银行的世界中，‘specific reserve’的概念在确保金融机构的稳定性和可靠性方面发挥着至关重要的作用。‘specific reserve’指的是银行资产中专门用于覆盖特定负债或潜在损失的部分。这一做法对于管理风险和维持存款人及投资者的信任至关重要。为了说明‘specific reserve’的重要性，让我们考虑一个发放了大量贷款的银行的例子。这些贷款代表了银行的一项负债，因为它们预计会在未来偿还。然而，总是存在一些借款人可能因经济衰退或个人财务困难等各种原因违约的风险。为了降低这种风险，银行将分配一个‘specific reserve’来覆盖这些违约可能造成的损失。这个储备充当了一个财务缓冲，使银行能够吸收损失，而不危及其整体财务健康。此外，监管机构通常要求银行维持一定水平的‘specific reserves’，以确保它们能够满足义务并保护存款人的资金。这一要求是更广泛的法规的一部分，旨在促进金融系统的稳定。通过执行这些规则，监管者帮助防止银行倒闭，这可能导致更广泛的经济危机。‘specific reserves’的管理不仅对单个银行重要，对整个经济也至关重要。当银行维持足够的储备时，它们可以继续向企业和消费者放贷，从而刺激经济增长。相反，如果银行未能有效管理其储备，可能会面临流动性问题，这可能导致信贷紧缩，负面影响经济活动。此外，‘specific reserve’的概念超越了传统银行业。它在其他行业中同样适用，例如保险公司必须预留资金以覆盖未来可能出现的特定索赔。在这两种情况下，原则是相同的：为准备未来潜在义务而预留资源。总之，理解‘specific reserve’的重要性对于任何对金融和经济感兴趣的人来说都是至关重要的。它作为银行和其他金融机构的保护措施，确保它们能够抵御意外挑战。通过维持适当水平的‘specific reserves’，金融实体为整体经济的健康做出了贡献，增强了消费者和投资者的信心。随着我们在日益复杂的金融环境中航行，‘specific reserves’的角色无疑将继续成为监管者、金融机构和学者关注的重点领域。