reserve requirement ratio; legal reserve ratio
A financial term referring to the minimum fraction of deposits that banks must hold as reserves, set by the central bank.
When the central bank raises the reserve requirement ratio, commercial banks' lending capacity decreases.
準備預金 refers to the actual reserves held by banks, while 法定準備率 is the ratio that determines the required amount.
Compound of 法定 (legal, statutory) + 準備 (reserve) + 率 (rate, ratio).