有时候,你需要面对准备金的问题
问题是,银行该留存多少作为准备金呢
现在这个法定准备金率是逐步上升的。
结余：超额准备金 ….
equals: Excess reserves . . . . . . . . . . . . . . . . . 9,000
最近银行存款准备金的下调也是一个好消息。
And the recent lowering of bank reserve requirements is a godsend.
部分准备金制度引起的泡沫之本质。
The Nature of the Bubbles Induced by Fractional-Reserve banking.
养老金为退休后做的准备金。
与此同时，央行还下调了小银行的存款准备金率。
At the same time, the central bank also reduced the amount of funds that smaller Banks must keep on reserve.
银行准备金是从哪里来的？
美联储认为可以通过提高准备金利率来改进退出策略。
The Fed thinks it can improve on the exit strategy by instead raising the interest rate paid on reserves.
总准备金的增加会有多少成为超额准备金而不被使用？
To what extent will the increase in total reserves remain unused as excessreserves?
最重要的是，他们指定了保险公司必须持有多少准备金。
The most important thing that these do is: they specify what reserves insurance companies have to hold.
他们喜欢使用的工具是上调存款准备金率并出售低息债券。
Their weapons of choice: increases in the reserve requirement ratio and sales of low yielding bonds.
其中包括降低银行存款准备金率和让它们接受大量海外存款。
Among them, he says, reducing reserve requirements for Banks and letting them accept giant deposits overseas.
秘鲁也购买美元，并相似地延长银行销售外汇的存款准备金时间。
Peru is buying dollars, too, and similarly extended reserve requirements for Banks' sales of foreign exchange.
基本上，准备金率仅仅应用于“交易存款”——尤其是支票账户。
Primarily, reserve requirements apply only to "transactions deposits" - essentially checking accounts.
由于担心金融危机再次发生，银行纷纷提高了准备金率。
Banks' reserve requirements are rising in the wake of the financial crisis.
印度央行已经采取了降低商业银行存款准备金率等措施。
The reserve bank of India has already reduced the cash reserve ratio for commercial Banks, among other measures.
准备金利率比起再融资利率能让人更好地揣测政策立场。
The deposit rate has been a better guide to the policy stance than the refi rate has.
通过降低准备金率，就减弱了证券交易委员会监管银行放贷的能力。
By lowering the reserves amount limited theSEC’s ability to regulate the amount banks loan against reserves.
相反，我们能够对比下美联储减少准备金数量和长期国债的退出策略。
We can compare instead with an exit strategy whereby the Fed reduces the quantity of reserves and its holdings of long-term Treasury bonds.
银行可以通过存入支票和电子或者现金转账来增加其准备金账户的余额。
Banks may increase the balances in their reserve accountsby depositing checks and proceeds from electronic funds transfers as well ascurrency.
事实上，他们决定如何制定利率，和会员银行的法定准备金率。
In fact they decide on how to set interest rates and borrowing requirements for member Banks.
事实上，他们决定如何制定利率，和会员银行的法定准备金率。
In fact they decide on how to set interest rates and borrowing requirements for member Banks.
应用推荐