Refer to the following balance sheet of a banking system:
Assets:
-Reserve $100
-Loans $300
Liabilities:
Deposits $400
The legal reserve ratio is 20%.Suppose all banks loan out their excess reserves and all loans are re-deposited into the banking system.After the credit creation process is completed,what is the amount of reserves held by banks?
I think the answer is referring to the maximum deposit created by the banking system but the correct answer is $100.Can anyone explain the answer to me step by step?Thx in advance!
eco CE 1999 MC Q.36
2009-01-06 6:11 am
回答 (2)
2009-01-07 4:32 am
✔ 最佳答案
Method 1First of all, the bank has kept excess reserves. It is because the legal reserve ratio is 20%. So, the origanal reserve is $400*20%=$80
So, it has excess reserves($100-80$)=$20
If the bank lend out all the excess reserves, so the maximum deposit=($400+$20/20%)= $500
Then the deposit is $500. So, the reserves=($500*20%)=$100
Also, the loans will become $400
Mehod 2
If the bank keeps excess reserve, and the bank want to lend out all the excess reserves. Then the reserves will remain unchange.
It is because($100/20%)=$500
The deposits will become $500
And we only need to use($500-$100)=$400 to find out the loans
So, the loans will beome $400
Also, the reserve remains unchange
****We do not need to correct the reserve, when the bank want to lend out all the exess reserve
2009-01-07 2:40 am
Excess reserves = $100-$400*20% = $100-$80 = $20
$20 excess reserves will result in an increase in $20/20% = $100 loans.
So, the reserves become $80+$100*20% = $100
and loans become $300+$100 = $400
$20 excess reserves will result in an increase in $20/20% = $100 loans.
So, the reserves become $80+$100*20% = $100
and loans become $300+$100 = $400
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