標題:
deposit creation (balance sheet) help!!!
發問:
有人withdraw$200,(the banking system lent out all excess reserves)本身佢given果個balance sheet系:reserves $500 deposit $1200loans $700咁before deposit creation,果balance sheet會變成:(因為有人withdraw$200)reserves $300 deposit $1000loans... 顯示更多 有人withdraw$200,(the banking system lent out all excess reserves) 本身佢given果個balance sheet系: reserves $500 deposit $1200 loans $700 咁before deposit creation,果balance sheet會變成:(因為有人withdraw$200) reserves $300 deposit $1000 loans $700 岩唔岩? 咁after deposit creation,個balance sheet會系點呢? new required reserve應該系$1000x25%(RRR=25%)=$250 new excess reserve=$300-$250=$50 maximum increase in loans就應該系$50x(1/25%)=$200 咁maximum increase in deposits點做呢?點先可以知道initial deposit系咩? 咁新既balance sheet應該系點呢?我唔識牙~應該用邊個balance sheet黎change呢?又點樣搵番新既deposit,reserve同loan呢? 我真系唔知點做好~可以解釋俾我聽嗎?求下大家幫幫我~不勝感激^^
最佳解答:
1. Original B/S (assume lend out all excess reserves) Reserve $500 Deposit $1200 Loans $700 2. Withdraw $200 and immediately effect is deducted reserve Reserve $300 Deposit $1000 Loans $700 3. At day-end, Finance will adjust the reserve to meet reserve requirements (ie. RRR25%) new reserve = $1000x25%=$250 new excessed reserve = $300-250 = $50 would be placed in money market as leding (ie. Loans) Hence, Reserve $250 Deposit $1000 Loans $700 Placement $50 4. if new loans ($50) is granted to a customer, it would be deposit in customer account (as bank depsoit) The immediately result: Reserve $250 Depsoit $1050 Loans $750 Placement $50 5. at day-end, Finance would adjust the reserve & placement to meet reserve requirements The net result would be: Reserve $262.5 Depsoit $1050 Loans $750 Placement $37.5 That's why increase loan would increase money supply in the market. 6. If the customer draw down the loan (ie. take out cash from bank), it would be same as step 2.
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