超额准备金率反映了金融机构流动性的情况，并且超额储备也是提供信贷的基础。
Excess reserve ratio reflects the conditions of the liquidity of financial institutions, and excess reserve is the base of credit delivery.
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.
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