众所周知，银行采用部分准备金制度，这意味着银行家可以使用存款进行借贷活动，但是这些贷款却只有部分得到了真正货币储备的担保。

It is well known that Banks engage in fractional-reserve lending, meaning that bankers use their deposits in lending operations, with only a part of their loans covered by money reserves.

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存款准备金制度具有调整信贷结构、调控货币供应量、保证金融机构的储备流动性等重要作用。

Deposit preparing money system plays an important part in adjusting credit structure, regulating currency supplies, ensuring storage mobility of finance institution.

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