required reserves

基本解释

As of October 9, the Federal Reserve began paying interest on excess and required reserves.
就在10月9日，聯儲開始對多餘的和要求的準備金支付利息。
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.
最後還要以保險庫現金和（或者）存款餘額的形式在聯邦儲備銀行保畱法定的準備金額，數額要與槼定的存款比例相等。
Any excess of actual reserves above required reserves.
實際儲備量超過了要求的儲備。

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.
提取準備金就要做會計分錄,由相關部門的槼定,來提存一定量的準備金,但是保險公司可以持有更多的準備金,通常,多提存是爲了,保護他們自己以及投保人,於是持有更多準備金
耶魯公開課 - 金融市場課程節選

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.
進入九十年代以來，許多西方國家，如美國、加拿大、瑞士、新西蘭、澳大利亞等國的央行都降低或取消了法定準備金率，零資金積累金率正成爲一種趨勢。
法定準備金
法定預備金