求助..一條econ mc [復制鏈接]

5, If banks lend out all their excess reserves, ______.
(1) the actual reserve ratio is equal to the minimum required reserve ratio.
(2) the actual banking multiplier is equal to the maximum banking multiplier.
(3) banks' profit are at the highest level.

A. (1)
B. (2)
C. (1) and (2)only
D. (1), (2) and (3)

答案係a...
但係點解2唔岩?actual banking multiplier=total deposits/total reserve
thx~

我諗…
Cash Leakage..
因為即使係借到晒所有excess reserve…
都唔代表所借既係會入返去銀行體系
maximum banking multiplier <+ assume there has no cash leakage
所以2唔會係o岩…

(希望冇錯 @@")

但係我唔明點解有cash leakage就會令actual banking multiplier細過max.
e.g
REQUIRED RESERVE RATIO=0.2
R 200 D800
L 600
EXCESS RESERVE=200-800X0.2=40

ASSUME有CASH LEAKAGE.$40返唔到去BANK
R 160 D800
L 640
CASH LEAKAGE=40
咁ACTUAL BANKING....=800/160=5
MAX.....=1/0.2=5

咁佢地就一樣...
我咁諗好似有0的錯...但係唔知邊度錯.....幫幫手

下面是引用SuN FoReVeR於2006-04-21 16:48發表的:
但係我唔明點解有cash leakage就會令actual banking multiplier細過max.
e.g
REQUIRED RESERVE RATIO=0.2
R 200 D800
L 600
.......

你純用common sense 諗下先, 唔好理條theory. 有借出的cash唔入番 bank account. 咁可以multiplier 到/ 再借出的 amount咪少左.

下面是引用ryan_ho於2006-04-21 16:53發表的:
你純用common sense 諗下先, 唔好理條theory. 有借出的cash唔入番 bank account. 咁可以multiplier 到/ 再借出的 amount咪少左. [表情]

哦...
咁點解用THEORY解釋唔到既...

下面是引用SuN FoReVeR於2006-04-21 16:48發表的:
但係我唔明點解有cash leakage就會令actual banking multiplier細過max.
我咁諗好似有0的錯...但係唔知邊度錯.....幫幫手

我好難好清楚講俾你知點解因為我讀果陣已經係好耐之前, 依家俾番曬阿sir.

但可以話你知有cash leakage就會令actual banking multiplier細過max是對的

下面是引用SuN FoReVeR於2006-04-21 16:58發表的:
哦...
咁點解用THEORY解釋唔到既...

個人覺得Econ 有時係要考common sense... 唔好死讀佢呀

OK!THX!諗到我頭都爆..
不嬲都冇乜COMMOMN SENSE

e.g
REQUIRED RESERVE RATIO=0.2
R 200 D800
L 600
EXCESS RESERVE=200-800X0.2=40

ASSUME有CASH LEAKAGE.$40返唔到去BANK
R 160 D800
L 640
CASH LEAKAGE=40
咁ACTUAL BANKING....=800/160=5
MAX.....=1/0.2=5

你呢個…其實都冇計過野…-A-"
一開始已經可以assume佢冇excess reserve的了…
一開始就係要假設o係冇excess reserve既情況下有Cash Leakage會點…

eg.
Maximum banking multiplier = 1/0.2 = 5
then Maximum increase in bank deposits = 800*5 = 4000
當你有Cash leakage既話…
下一次個deposit就會係<640
Bank A: rr=0.2
R160 D800
L640
如果cash leakage係40
咁即係剩返600入返monetary sector
Bank B: rr=0.2
R120 D600
L480
易計D
Cash leakage between bank B and bank C is 30
R90 D450
L360
如果咁落去…
最終整到既錢=800/1-0.75=3200 only

所以(2)唔o岩 o.o"
(應該係咁了 o.O")

下面是引用SuN FoReVeR於2006-04-21 16:48發表的:
但係我唔明點解有cash leakage就會令actual banking multiplier細過max.
e.g
REQUIRED RESERVE RATIO=0.2
R 200 D800
L 600
.......

(2)可以唔岩,亦可以岩
所以唔揀,要choose the best answer呀

因為可能有cash leakage / non-bank public hold cash, 所以2 uncertain

讀中文econ
睇唔明

下面是引用matt-scorpio於2006-04-21 22:38發表的:
因為可能有cash leakage / non-bank public hold cash, 所以2 uncertain

但係如果有cash leakage
個actual reserve ratio 又會唔會uncertain呢?

下面是引用sheepsheephin於2006-05-21 20:24發表的:
但係如果有cash leakage
個actual reserve ratio 又會唔會uncertain呢?

呢個問題係o係maximum banking multiplier既概念問題 ._.
個maximum本身係assume there is no cash leakage的 ._.
assume左佢有Cash Leakage之後
佢只會剩返一個情況：the actual banking multiplier is smaller than maximum banking multiplier
那麼就已經不會不能確定這個情況了

(以題目計…
因為條題目冇講過
然而有機會有Cash Leakage既情況…
你仍然需要assume呢兩個情況
1.有Cash Leakage +> the actual banking multiplier is smaller than maximum banking multiplier
2.冇Cash Leakage +> the actual banking multiplier is equal to the maximum banking multiplier
既然有唔同可能…
所以樓上答既應該係…
不能確定actual banking multiplier是否等於maximum banking multiplier )

上返黎?

之前問過阿sir
佢話\
其實係會唔同左
但係如果ce level既話就應該會答不變比較好
如果al再深入d就知道點解會變= =