required reserves

基本解釋

As of October 9, the Federal Reserve began paying interest on excess and required reserves.
就在10月9日，聯(lián)儲(chǔ)開始對(duì)多余的和要求的準(zhǔn)備金支付利息。
Finally, itmust maintain legally required reserves, in the form of vault cash and/orbalances at its Federal Reserve Bank, equal to a prescribed percentage of itsdeposits.
最后還要以保險(xiǎn)庫(kù)現(xiàn)金和（或者）存款余額的形式在聯(lián)邦儲(chǔ)備銀行保留法定的準(zhǔn)備金額，數(shù)額要與規(guī)定的存款比例相等。
Any excess of actual reserves above required reserves.
實(shí)際儲(chǔ)備量超過了要求的儲(chǔ)備。

The reserves are an accounting entry-- it's how much they are required to hold, but the companies will hold more than that, typically, in order to protect themselves-- more than is required--and their policy holders-- more than is required by the regulators.
提取準(zhǔn)備金就要做會(huì)計(jì)分錄,由相關(guān)部門的規(guī)定,來提存一定量的準(zhǔn)備金,但是保險(xiǎn)公司可以持有更多的準(zhǔn)備金,通常,多提存是為了,保護(hù)他們自己以及投保人,于是持有更多準(zhǔn)備金
耶魯公開課 - 金融市場(chǎng)課程節(jié)選

The excess reserve component has risen in the past two years, but mostly they are required reserves.
FORBES: Fed Bashers Stretch To Criticize Record Profit Paid To Treasury
Write-offs eat into their required reserves for health benefits.
FORBES: Magazine Article
It argues that the company accounts employed more realistic assumptions—based on Equitable's belief in its interpretation of the law—whereas the statutory returns required more reserves against potential risks.
ECONOMIST: Equitable Life: The blame game

存款準(zhǔn)備金
Since 1990, the Central Banks lowered or canceled required reserves rate in many western nations, such as the United States, Canada, Switzerland, New Zealand, the Australia, and zero reserves rate is becoming a kind of trend.
進(jìn)入九十年代以來，許多西方國(guó)家，如美國(guó)、加拿大、瑞士、新西蘭、澳大利亞等國(guó)的央行都降低或取消了法定準(zhǔn)備金率，零資金積累金率正成為一種趨勢(shì)。
法定準(zhǔn)備金
法定預(yù)備金