disruptive effect meaning in English

断裂效应

While changes in reserve requirements can affect short - term interest rates by changing banks demand for reserves , these actions can have disruptive effects on banks since banks need time to adjust their portfolios to accommodate the changed requirements , especially if the financial markets are not fully developed and the distribution of excess reserves among banks is uneven
调整储备要求尽管可以改变银行对储备资金的需求，从而影响短期利率，但同时亦可能为银行带来不良的影响。这是由于银行需要时间调整其资产组合以符合新的储备要求。如果有关地区的金融市场尚未全面发展，或银行之间的过剩储备资金分布不均，影响则可能更甚。