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標題:

eco CE 1999 MC Q.36

發問:

Refer to the following balance sheet of a banking system:Assets:-Reserve $100-Loans $300Liabilities:Deposits $400The 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... 顯示更多 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!

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Method 1 First 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

其他解答:

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 = $400960E6207E048F01D