banking system money creation 一問

netnet

2007-01-05 6:30 am

我想問,

如果given a balance sheet of the banking system如下:
assets: R$500, L$500
liablilties: D$1000
minimum reserve ratio (r)= 20%

maximum amount of loans the banking system can make 係點計? 原本已經o係balance sheet ge $500loans 係就咁加定係要除r? 點解要除or 唔駛除? 要唔要將excess reserve 加落去? 個excess reserve 要唔要除r? 點解要除or唔駛除?

the banking system can expand its total deposits to 幾多?
點計? 係咪當maximum change in deposit 咁計? 解埋點解有d數字要除r有d 又唔駛

要答得好D 喎:D
唔該 =V=

回答 (1)

用戶31135

2007-01-06 5:42 am

✔ 最佳答案

我會先計max. total deposit
如果大眾唔會hold cash (即係無cash leakage)
最多嗰 bank 可以 expand佢的 TD 去到︰
= reserve * (1/r)
= 500 * 1/20% = 500 * 5 = $2500
(同max change in TD 的計法有少少分別)

第二部分計max. loan
因為一個balance sheet 永遠係左右相等,
當 cash 係500 不變, 而max TD 係2500,
咁max loan (或者話「對應」的loan)
就會係 2500 - 500 = $2000
(max. change in loan可以有第二個計法,
將excess reserve * (1/r) = 1500, 咁加埋本來的loan,
max loan 係 $2000)

做呢啲題目, 最關鍵係 (1/r) 這個數,
這數叫「banking multiplier」, 正常而言, 搵到呢個數,
max TD, required reserve, excess reserve, 甚至 max loan, 等,
都可以計到。
加油啦.

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