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严 · 2024年01月15日

减少银行准备金,不是支持银行放贷吗?

NO.PZ2023071902000028

问题如下:

QuestionIn an attempt to influence the economy, a central bank implemented open market operations involving the sale of government bonds. This action suggests that the central bank is most likely trying to achieve:

选项:

A.

Contraction of the economy by reducing bank reserves.

B.Expansion of the economy through a lower policy interest rate. C.Contraction of the economy through a lower policy interest rate.

解释:

Solution

  1. Correct. By selling government bonds, the central bank decreases bank reserves, limiting their lending capacity. This, in turn, leads to a reduction in money supply through the multiplier effect and results in an economic contraction.
  2. Incorrect. Central bank selling of bonds is not aimed at expansion.
  3. Incorrect. Selling government bonds will reduce the money supply through its impact on bank reserves, leading to a higher, not lower, interest rate.

Monetary Policy

• describe tools used to implement monetary policy tools and the monetary transmission mechanism, and explain the relationships between monetary policy and economic growth, inflation, interest, and exchange rates

减少银行准备金,不是支持银行放贷吗?

2 个答案

笛子_品职助教 · 2024年02月14日

嗨,从没放弃的小努力你好:


Bank reserve的定义是central bank要求commercial bank吸收客户存款所要上交央行的储备金


同学说的这个定义是错误的。

法定准备金才是同学说的这个意思。

注意区分:银行准备金、法定银行准备金,这两个名词。

商业银行总准备金中只有很少的一部分,需要上交央行,大部分都是银行自己留着用来放贷的。

本题的Bank reserve是指银行准备金。

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加油吧,让我们一起遇见更好的自己!

笛子_品职助教 · 2024年01月16日

嗨,从没放弃的小努力你好:


减少银行准备金,不是支持银行放贷吗?

Hello,亲爱的同学~

这里的银行是指商业银行。

银行自己要有钱,才能借给别人钱。

如果减少银行准备金,意味着银行自己也没钱了。

银行自己都没钱了,自然也不能把钱借给别人了。

因此,减少银行准备金,并不是同学所说的“支持银行放贷”哦。

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虽然现在很辛苦,但努力过的感觉真的很好,加油!

Robin Z · 2024年02月14日

老师您好, Bank reserve的定义是central bank要求commercial bank吸收客户存款所要上交央行的储备金,如果央行reduce bank reserves requirement, 意味commercial bank的自由分配资金增加,是有利于其放贷吧。

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