Question

Помогите пожалуйста с задачей Депозиты банка составляют 350 тыс. дол. Обязательные резервы банка – 70 тыс. дол. Избыточные резервы банка – 30 тыс. дол. Каковы фактические резервы банка? Какой объём кредитов банк уже выдал. Как изменится денежная масса, если банк полностью использовал свои кредитные возможности?

Answer 1

Ответ:100, 250,150

Объяснение:

Фактические резервы=сумма обязательных и избыточных резервов

70+30= 100 тыс. дол.

Фактически банк выдал 250 тыс. на кредит

350-100=250 тыс. дол

rr(обяз)=Rобяз/D=70/350= 20%=0,2

Вычислим величину банковского мультипликатора

mult(банка)=1/rr обяз=1/0,2= 5

дельта М=Rизб* mult(банка)= 30*5=150

Если банк полностью использует свои кредитные возможности, то   денежная масса изменится на 150 тыс. долл.

Answer 2

Calculation of Actual Reserves

To calculate the actual reserves of the bank, we need to subtract the required reserves and excess reserves from the total deposits.

Given information: - Total deposits of the bank: $350,000 - Required reserves of the bank: $70,000 - Excess reserves of the bank: $30,000

To calculate the actual reserves, we subtract the required reserves and excess reserves from the total deposits:

Actual Reserves = Total Deposits - Required Reserves - Excess Reserves

Actual Reserves = $350,000 - $70,000 - $30,000

Actual Reserves = $250,000

Therefore, the actual reserves of the bank are $250,000.

Volume of Loans Already Issued

The volume of loans already issued by the bank is not provided in the given information. Without this information, we cannot determine the exact volume of loans the bank has already issued.

Change in Money Supply if Bank Fully Utilizes its Credit Capacity

To determine the change in the money supply if the bank fully utilizes its credit capacity, we need to consider the concept of the money multiplier.

The money multiplier is the ratio of the change in the money supply to the change in the monetary base. It represents the amount by which the money supply can increase for every unit increase in the monetary base.

The formula for the money multiplier is:

Money Multiplier = 1 / Reserve Requirement Ratio

The reserve requirement ratio is the percentage of deposits that banks are required to hold as reserves. In this case, the reserve requirement ratio is not provided in the given information, so we cannot calculate the exact change in the money supply.

However, if the bank fully utilizes its credit capacity, it means that it lends out all of its excess reserves. This would increase the money supply by a multiple of the excess reserves, based on the money multiplier.

To calculate the potential change in the money supply, we would need to know the reserve requirement ratio and the amount of excess reserves. Without this information, we cannot determine the exact change in the money supply.

Please provide the reserve requirement ratio and the amount of excess reserves to calculate the change in the money supply.