金融机构恐慌理论认为存款人的行为是引起存款性金融机构不稳定的关键因素，金融机构危机所具有的传染性同样不可忽视。
The depositor's behavior is the key factor that causes the financial institution dealing with the deposit unstable in the panic theory. The financial risk contagiosity can't be ignored too.
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.
金融机构超额准备金账户占其存款总额的比例叫做超额储备金率，它是非强制性的。
The proportion that financial institutions' excess reserve accounts for its total deposits is excess reserve ratio which is non-compulsory.
商业银行作为以吸收存款、发放贷款以及办理结算为主要业务的企业法人，既具有一般企业的特征，又有其作为金融机构的特殊性。
Commercial Banks as deposits, loans and settlement process as the main corporate business, not only has the general characteristics of enterprises, as well as its specificity.
之后从2010年1月起，央行连续12次上调存款准备金率，通过对金融机构准备金率共计600个基点的上调，来回收市场过多流动性以抑制物价的过快上涨。
Since January 2010 Chinese central bank raised the RRR by 600 percentage points for 12 times in an effort to rein in runaway inflation by collecting liquidity.
之后从2010年1月起，央行连续12次上调存款准备金率，通过对金融机构准备金率共计600个基点的上调，来回收市场过多流动性以抑制物价的过快上涨。
Since January 2010 Chinese central bank raised the RRR by 600 percentage points for 12 times in an effort to rein in runaway inflation by collecting liquidity.
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