"The deposit reserve ratio means that the central bank stipulates that commercial banks must reserve part of their deposits as reserves in a certain proportion to ensure the liquidity and stability of the bank. The adjustment of the deposit reserve ratio can affect the bank's liquidity and credit market stability.

The central bank usually adjusts the supply and demand of the money market by adjusting the deposit reserve ratio, thereby controlling inflation and stabilizing economic growth. If the central bank believes that the market liquidity is too abundant, it will raise the deposit reserve ratio, thereby reducing the amount of loans that banks can make, and curbing credit expansion and inflation. On the contrary, if the central bank believes that the market is illiquid, it will lower the deposit reserve ratio to increase the amount of loans that banks can make and promote economic development.

For commercial banks, the deposit reserve ratio directly affects their loan granting ability and profitability. An increase in the reserve requirement ratio reduces the amount that banks can lend, thereby reducing their ability to make loans. In addition, the retention of deposit reserves also means that banks have less funds available, affecting their profitability.

Overall, the reserve requirement ratio plays an important role in the stability of the money market and economic growth. The central bank needs to carefully adjust the deposit reserve ratio to balance the liquidity of the market and the lending capacity of banks, so as to promote the healthy development of the economy. For commercial banks, it is necessary to rationally arrange capital operations according to changes in the deposit reserve ratio in order to maintain the stability and development of the bank. "