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.
能否对金融机构的超额存款准备金进行强制执行，司法机关和人民银行一直存在争议。
There has always been controversy about whether enforcement can be made on the excess deposit reserve of financial institutions.
金融机构有权决定自己的超额准备金率，以及是否使用这部分存款。
Financial institutions have the right to determine their own excess reserve ratios and whether to use this part of deposit.
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