中國(guó)人民銀行上周六晚發(fā)布消息稱，將從5月18日起，下調(diào)存款類金融機(jī)構(gòu)人民幣存款準(zhǔn)備金率0.5個(gè)百分點(diǎn)。這是央行今年以來(lái)第二次下調(diào)存款準(zhǔn)備金率，下調(diào)后，大型金融機(jī)構(gòu)存款準(zhǔn)備金率降至20%，中小型金融機(jī)構(gòu)存款準(zhǔn)備金率降至16.5%。

請(qǐng)看相關(guān)英文報(bào)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：

在上述報(bào)道中，“reserve requirement ratio”（縮寫RRR）意為“存款準(zhǔn)備金率”。存款準(zhǔn)備金是指金融機(jī)構(gòu)為保證客戶提取存款和資金清算需要而準(zhǔn)備的在中央銀行的存款，中央銀行要求的存款準(zhǔn)備金占其存款總額的比例就是存款準(zhǔn)備金率?！按婵顪?zhǔn)備金率”還有一種說(shuō)法是“deposit requirement ratio”。

一些相關(guān)詞匯：

the People's Bank of China 中國(guó)人民銀行

century bank 中央銀行

required reserve ratio 法定準(zhǔn)備金率

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.
如果存款準(zhǔn)備金率是10%，那比如說(shuō)，一家銀行收到100美元的存款就能把那筆錢里的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.
上調(diào)存款準(zhǔn)備金率還能為中國(guó)央行帶來(lái)另一項(xiàng)好處。 中國(guó)央行必須管理流入中國(guó)的巨額資金，這些資金主要來(lái)源于不斷膨脹的巨額貿(mào)易順差。

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.
中國(guó)央行決定從1月15日起，將商業(yè)銀行存款準(zhǔn)備金率上調(diào)50個(gè)基點(diǎn)。 此舉將降低可用于放貸的資金數(shù)量。