Banki multiplier

Banking multiplier - wani inji don ci gaban da jimlar kudi wadata, wanda shi ne a kan ajiya asusun na kowane kasuwanci banki a sakamakon da motsi kudi daga wannan account zuwa wani.

Banking multiplier aiki ba kawai a lokacin da mai sayar banki na samar da bashi, amma kuma a cikin akwati inda babban bankin sayayya daga bankunan a cikin kudin, hannun jari ko wasu Securities. A sakamakon haka, akwai wani akan rage bankunan 'albarkatun kashe a aiki aiki, da kuma ci gaban da free reserves, wanda aka yi amfani don a-rance, watau farawa banki multiplier. Bari mu bincika wannan ra'ayi a cikin mafi daki-daki.

TAKAITACCEN banki multiplier inji kuma shi ne mafi dace don gane da wani takamaiman misali. Zaton cewa wani kamfani da cewa hidima da banki A ya sayar da Saide na fitarwa ta hanyar kai tsaye hannu na banki a MICEX a cikin adadin 10 000 goga., Wanne daga baya aka fassara a cikin asusun ajiyar babban bankin na Rasha Federation. A banki canjawa wuri kudi da shiri lissafi na da kamfani (bukatar ajiya). Bisa ga matsayin kafa ta Central Bank, wani ɓangare na kudi da za a yaba wa wani musamman asusu tare da wani m m ajiye. Zaton cewa wani m kudi ne 4%. Sai ajiye adadin zai zama daidai da 400 rubles.

Saboda haka, kasuwanci banki yana kuma dashi da adadin 9600 rubles., Wanda za a iya amfani da riba. Wadannan kayan aikin da ake kira wani lokacin da wuce haddi reserves na bankuna. Babu wani abu da ya hana ta kafa shiryar da su zuwa wani aro kamfanin cewa yana amfani da ayyukanta. Saboda haka, mu banki bada rance zuwa wani kamfanin a cikin adadin 9600 rubles. A sakamakon wannan aiki, da suka wuce haddi ajiye an rage wa kome tare da wani lokaci daya rejista bayar adadin a kan ajiya a cikin wannan bankin. Sa'an nan da taimakon rance kamfanin biya ga albarkatun kasa da kuma adadin canjawa wuri zuwa account na maroki a cikin banki B. A sakamakon haka, shi yana a ta zubar da kudi amounting zuwa 9600 rubles, 4% na wanda (384 rubles) ne a ajiye, da kuma sauran 9216 rubles. Bankin B iya aika da bashi da wani sauran kamfanin. Saboda haka, akwai wata karuwa a cikin kudi, da kuma data kasance rance da ajiya da sabon kudade suna kara da cewa.

Bari yanzu mu bincika yadda za mu iya lissafta da banki multiplier. Da dabara ne kamar haka:

Kb.m. = M2k.g. (M2k.g. - M0n.g.), inda

Kb.m. - coefficient multiplier banki.

M2k.g. - da adadin kudi a karshen shekara ta cikin shiri;

M2n.g. - da girman da kudi wadata a farkon na reference shekara.

M0n.g. - dukan adadin na tsabar kudi a farkon na reference shekara.

Banking multiplier aiki ne kawai a lokacin da banki tsarin yana da biyu matakan. Located a kan na farko babban bankin, wanda yana iko da inji. Kuma a karo na biyu matakin ne kai tsaye bankunan da kansu cewa shi ne ya fara, ko da kuwa bukãta. A wannan yanayin, da sakamako daga kara kudi ba a samu guda kungiyar, amma dukan banki tsarin. Babu shakka cewa banki animation dogara a kan girman da ake bukata reserves. A kasan kudi, fiye da bankunan 'free reserves, suka taso kan ruwa da kuma game da shi kara da kudi wadata.

Banking multiplier iya aiki a gaban shugabanci. Idan abokan ciniki fara en sun mayar karbo kudi daga adibas, jimlar adadin duk bashin za a rage da bashi Mawuyacin da kudi wadata.

Shi ne ya kamata a lura da cewa a cikin dukan aiki yadda ake gudanar a bankuna ne kawai bashi zuba jari za su iya haifar da sababbin adibas, da haka ya cika aiki na watsi da kasa banki tsarin. A ya fi girma da rance da aka bayar, da girma da girma na wasiƙa batun.