Banki multiplier

Banki multiplier - ndi limagwirira a kukula kwa onse okwanira ndalama, umene uli pa nkhani gawo lililonse banki malonda chifukwa cha kayendedwe ka ndalama nkhani wina ndi mzake.

Banki multiplier ntchito osati pamene banki malonda amapereka ngongole, koma Inunso kumene banki kugula chapakati ku mabanki malonda mu ndalama, m'matangadza kapena sheya ena. Chifukwa, pali kuchepetsa chuma mabanki 'padera ntchito yogwira, ndi kukula kwa nkhokwe free, amene ndiye ntchito pa kukongoza, mwachitsanzo akuyamba banki multiplier. Tiyeni tione mfundo izi mwatsatanetsatane.

SUMMARY banki multiplier limagwirira ndipo yabwino kwambiri kudziwa chitsanzo yeniyeni. Tiyerekeze kuti munthu wina bungweli kuti amatumikira banki A agulitsa anapeza la wolowa kudzera okhudzidwa olunjika a banki pa MICEX kuchuluka kwa 10 000 pakani., Yomwe kenako ikumasuliridwa nkhani mtolankhani wa Bank ku Central la Chitaganya cha Russia. banki A anasamutsidwa ndalama chifukwa ndi kuthetsa a bungweli (kufunika gawo). Malinga ndi mfundo anakhazikitsa Bank ku Central, gawo la ndalama kuti amatamanda nkhani yapadera ndi malo kuvomerezedwa osachepera. Kuganiza kuti mlingo kuvomerezedwa ndi 4%. Kenako malo kuchuluka adzakhala wofanana rubles 400.

Choncho, banki malonda ali nazo ake kuchuluka kwa 9600 rubles., Amene angagwiritsidwe ntchito phindu. Zida zimenezi zimatchedwa zina nkhokwe owonjezera a mabanki malonda. Palibe kumathandiza kukhazikitsidwa kwa kuwatsogolera ku kampani ina ngongole kuti amagwiritsa ntchito zake. Choncho, banki athu amapatsa ngongole kampani ina kuchuluka kwa 9600 rubles. Chifukwa cha ntchito iyi, malo owonjezera yafupika ziro pamodzi ndi munthawi yomweyo gulu chikalata kuchuluka pa gawo mu banki yomweyo. Ndiye mothandizidwa ndi kampani ngongole analipira zipangizo ndi kuchuluka kunditumiza ku nkhani ya katundu ku banki B. Chifukwa, iwo ali pa ndalama zake nazo wokwanira rubles 9600, 4% limene (384 rubles) ndi mu malo, ndi otsala 9216 rubles. Bank B amathanso kutumiza kwa ngongole ya kampani ina. Motero, pali ponso ndalama, ndi kuti alipo ngongole ndi gawo limanena atsopano akuwonjezeka.

Tsopano tiyeni tikambirane zimene tingachite kuwerengera multiplier kubanki. Ndondomeko ili:

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

Kb.m. - koyefishienti multiplier banki;

M2k.g. - ndalama kumapeto kwa chaka ndi kuthetsa;

M2n.g. - kukula kwa yobweretsa ndalama kumayambiriro kwa chaka kutchulidwa;

M0n.g. - kuchuluka lonse la ndalama kumayambiriro kwa chaka kutchulidwa.

Banki multiplier ntchito kokha pamene dongosolo banki ali m'njira ziwiri. Ili woyamba chapakati banki, amene akulamulira limagwirira lapansi. Ndipo pa mlingo wachiwiri muli mwachindunji malonda mabanki okha kuti anayamba mosaganizira zofuna zawo. Pankhaniyi, zotsatira za kuwonjezeka ndalama si akwaniritsa gulu limodzi, koma dziko lonse la kubanki. N'zoonekeratu kuti banki makanema ojambula zimadalira kukula kwa nkhokwe chofunika. M'munsi mlingo, magombe zambiri malonda 'ufulu nkhokwe, iwo tiwolokere ndipo potero kuwonjezeka yobweretsa ndalama.

Banki multiplier umagwira ntchito zosiyana. Ngati makasitomala kuyamba paulendo gulu lonselo ankaliphera pamodzi kutapa ndalama madipoziti, chiwerengero cha ngongole onse kuchepetsedwa ndi ngongole crunch kusowa ndalama.

Dziwani kuti mwa zonse ntchito mwakhama gawo la banki yekha ngongole ndalama angalenge madipoziti yatsopano pokwaniritsa ntchito ya umuna wa dongosolo banki dziko. Ikuluikulu ngongole ndi chikalata, wamkulu voliyumu ya nkhani cholemba.