引用第28樓rBB於2010-03-22 16:41發表的“”:
38. Assume the whole banking system does not hold excess reserves and the
required reserve ratio is 20%. If a person withdraws $100 from a bank,
A. the amount of loans made by the banks to the public will fall by at
most $400.
B. money supply will fall by at least $400.
.......
assumed 一開始有500 reserve:
Reserve=500, Deposit=500/0.2=2500, Loan=Deposit-Reserve=2000
拎走100 from Reserve, assumed 佢一蚊都唔放番入bank:
Reserve=400, Deposit=400/0.2=2000, Loan=Deposit-Reserve=1600
==>Loan changed= 1600-2000=(-400)
如果withdrawn 果100蚊會放番入banking system, 咁loan decrease 一定會少過400
所以答案係"fall by at most $400"