银行存款准备金率【英】

required reserve ratio/rate

译文来源

2015年政府工作报告：via:
http://english.gov.cn/archive/publications/2015/03/05/content_281475066179954.htm

定义

存款准备金，也称为法定存款准备金或存储准备金（Deposit reserve），是指金融机构为保证客户提取存款和资金清算需要而准备的在中央银行的存款。中央银行要求的存款准备金占其存款总额的比例就是存款准备金率。中央银行通过调整存款准备金率，可以影响金融机构的信贷扩张能力，从而间接调控货币供应量（via: https://baike.baidu.com/item/%E5%AD%98%E6%AC%BE%E5%87%86%E5%A4%87%E9%87%91%E7%8E%87?fromtitle=%E9%93%B6%E8%A1%8C%E5%AD%98%E6%AC%BE%E5%87%86%E5%A4%87%E9%87%91%E7%8E%87&fromid=8736402）。存款准备金可以分为两部分：法定存款准备金和超额存款准备金。法定存款准备金是指由中央银行决定的按照法律规定的商业银行必须按照其存款规模的一定比例保留在中央银行里的基本准备金。它由活期存款的法定准备金和定期存款的法定存款准备金共同组成，是中央银行调控货币供应量的基本手段之一。超额存款准备金是商业银行根据自身情况以及整体经济形势决定的存放在中央银行的超出法定存款准备金的部分，主要用于银行间票据交换差额的清算、应对不可预料的现金提存、等待有利的贷款或投资机会等方面。

定义来源

via: https://baike.baidu.com/item/%E5%AD%98%E6%AC%BE%E5%87%86%E5%A4%87%E9%87%91%E7%8E%87?fromtitle=%E9%93%B6%E8%A1%8C%E5%AD%98%E6%AC%BE%E5%87%86%E5%A4%87%E9%87%91%E7%8E%87&fromid=8736402

例句

1. 稳健的货币政策要松紧适度。广义货币M2预期增长12%左右，在实际执行中，根据经济发展需要，也可以略高些。加强和改善宏观审慎管理，灵活运用公开市场操作、利率、存款准备金率、再贷款等货币政策工具，保持货币信贷和社会融资规模平稳增长。加快资金周转，优化信贷结构，提高直接融资比重，降低社会融资成本，让更多的金融活水流向实体经济。——《2015政府工作报告》，2015

1. We will pursue prudent and balanced monetary policy. The M2 money supply is forecasted to grow by around 12% in 2015, but the actual growth may be slightly higher than this projection depending on the needs of economic development. We will work to strengthen and improve macro-prudential regulation, adopt a flexible approach in our use of monetary policy tools including open market operations, interest rates, required reserve ratios, and re-lending, and maintain steady growth in the supply of money and credit as well as aggregate financing in the economy. We will speed up the turnover of funds, improve the credit structure, increase the proportion of direct financing to total financing, and reduce the cost of financing, thereby allowing more financial resources to be channeled into the real economy. -Quoted from Report on the Work of the Government, 2015.

网络参考例句

例句 1：
在资产价格上涨阶段，提高银行存款准备金率有利于抑制资产价格上涨，下调银行存款准备金率将促进资产价格上涨；在资产价格下跌阶段，提高银行存款准备金率将加速银行资产价格下跌，下调银行存款准备金率有利于缓解银行资产价格下跌。——《虚拟经济系统性风险形成机理分析》，江西财经大学博士学位论文，2012
During asset price in the inflation stage, raising the reserve will help to curb the inflation in asset prices, and reducing the reserve will promote the inflation in asset prices. In the stage of falling asset prices, raising the reserve will accelerate the asset prices inflation of the bank; and reducing the reserve will help alleviate the asset prices fall of the bank.

例句 2：
2010年下半年以来，我国的物价出现了明显上涨，按照通常定义，是出现了通货膨胀。政策的制定者提出并实施了相应的解决办法，包括实行加息或提高银行存款准备金率等收紧银根的金融政策，以减少货币供应或流通量。——“对运用货币政策解决通货膨胀问题的思考”，载于《改革与战略》2012年05期
Since the second half of 2010, commodity prices in China witnessed an apparent rise. Customarily, this means China's entry into the inflation period. Consequently, a large number of economists and constitutors feel anxious about it and thus plan to promote and implement various kinds of corresponding solutions to cope with it. Among these solutions, a kind of popular assertion advocates that the essential causes resulting in the occurrence of the inflation is due to an increase of monetary supply.

例句 3：
我国口前银根紧缩的背景下，中小企业信贷成本逐渐提高，银行机构出现了“惜贷“限贷”的现象。通过选取江西省近十年中小企业发展现状的相关指标，建立影响银行整体信贷成本的计量经济模型，并采用SPSS对七个影响因子进行排名