释放流动性：央行下调“存款准备金率”

发布时间：2025-07-03 16:56:18

中国人民银行上周六晚发布消息称，将从5月18日起，下调存款类金融机构人民币存款准备金率0.5个百分点。这是央行今年以来第二次下调存款准备金率，下调后，大型金融机构存款准备金率降至20%，中小型金融机构存款准备金率降至16.5%。

请看相关英文报道：

China will lower banks' reserve requirement ratio (RRR) by 0.5 percentage points starting May 18, the country's central bank announced Saturday.The cut, the second of its kind this year, will drop the RRR for the country's large financial institutions to 20 percent and the medium- and small-sized financial institutions to 16.5 percent, according to the People's Bank of China.

分析：

在上述报道中，“reserve requirement ratio”（缩写RRR）意为“存款准备金率”。存款准备金是指金融机构为保证客户提取存款和资金清算需要而准备的在中央银行的存款，中央银行要求的存款准备金占其存款总额的比例就是存款准备金率。“存款准备金率”还有一种说法是“deposit requirement ratio”。

一些相关词汇：

the People's Bank of China 中国人民银行

century bank 中央银行

required reserve ratio 法定准备金率

例句：

If the reserve requirement ratio is 10%, for example, a bank that receives a $100 deposit may lend out $90 of that deposit.

如果存款准备金率是10%，那比如说，一家银行收到100美元的存款就能把那笔钱里的90美元借出去。

Lifting the reserve requirement ratio has another benefit for the PBOC, which has to manage the huge funds flow into China, mainly from the country's large and swelling trade surplus.

上调存款准备金率还能为中国央行带来另一项好处。中国央行必须管理流入中国的巨额资金，这些资金主要来源于不断膨胀的巨额贸易顺差。

The People's Bank of China raised the commercial bank reserve requirement by 50 basis points from January 15, which will reduce the amount available for lending.

释放流动性：央行下调“存款准备金率”

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