准备金比例（也称作准备金要求、现金准备比例、存款准备金比率），指商业银行的初级存款中不能用于放贷的部分的比例。这个比例由各国中央银行规定。
官方已经在今年提高存款准备金比例6次了，同时从记录的水平上提高了贷款。
Officials have raised bank reserve ratios six times this year and trimmed loan growth from record levels.
对美国银行而言，准备金与不良贷款的比例尤为重要，因为这个比例从第二季度的187%降至第三财季的173%。
The reserve-to-nonperformers ratio will be particularly important for BofA, because this ratio fell to 173% in the third quarter, from 187% in the second period.
而且，银行准备金的增加并不一定伴随着基于规定的准备金与存款比例的理论潜力的货币的增加。
Moreover, a given increase in bank reserves is not necessarily accompanied byan expansion in money equal to the theoretical potential based on the requiredratio of reserves to deposits.
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