Rwezvemabhengi multiplier

Banking multiplier - mumwe nomazviri kukura zvachose mari nerubatsiro, riri dhipoziti nhoroondo neimwe ezvokutengeserana bhengi somugumisiro sangano mari kubva munhoroondo mumwe.

Banking multiplier anoshanda kwete chete kana zvokutenga pamahombekombe kunopa chikwereti, asiwo nyaya umo Central Bank kutenga kubva zvebhizimisi Banks currency, mumatanda kana zvimwe kuchengetedzeka. Somugumisiro, pane kuderera kwemitambo nemabhangi 'zvinhu paakapiwa mune basa ichishanda, uye kukura chokuzvisarudzira reserves, ayo zvino kushandiswa pamusoro-achiposa kureva inotanga rwezvemabhengi multiplier. Ngationgororei pfungwa iyi zvizere.

Pfupiso kubhengi multiplier mashandiro uye chinonyanya nyore kuona muenzaniso chaiwo. Ngatitii mumwe repamutemo hunomirira kubhangi A yava kutengeswa yacho yose kunze kwenyika kuburikidza zvakananga kunobatanidza pamahombekombe pamusoro MICEX iri uwandu 10 000 kwiza., Iro yakazonzi kushandurirwa dzomupepanhau nhoroondo Central Bank of Russian Federation. A mubhengi zvaitambidzwa mari mumusha macho nhoroondo dzesangano (nokudiwa dhipoziti). Maererano nemitemo anosimbisa Central Bank, chikamu mari kuti icho nyaya inokosha ine fanira mashoma chengetedza. Kufunga kuti pamwero fanira ndiyo 4%. Ipapo kuchengeterwa mari achava akaenzana 400 rubles.

Saka, wezvokutengeserana pamahombekombe ane panguva yayo achigona uwandu 9600 rubles., Ndezvipi zvinogona kushandiswa purofiti. Ezvemutauro izvi zvinonzi dzimwe nguva zvakawandisa reserves ezvokutengeserana mabhanga. Hapana pokugadzwa ngaatungamirire kuti imwe kambani chikwereti kuti rinoshandisa mabasa ayo. Saka, bhengi edu anopa chikwereti kune imwe kambani iri uwandu 9600 rubles. Somugumisiro oparesheni ichi, zvakawandisa kuchengeterwa ipfupi kuti Zero pamwe mawa okuverengwa wakabudiswa mari iri dhipoziti zvakafanana bhengi. Zvadaro tichibatsirwa kambani chikwereti mari yakatsvuka zvinhu uye mari zvaitambidzwa munhoroondo nokutengesa mubhangi B. Somugumisiro, rine panguva yayo dziripo mari yakasvika 9600 rubles, 4% izvo (384 rubles) ari kuchengeterwa, uye akasara 9216 rubles. Bank B anogona kutumira chikwereti imwe kambani. Saka, pane nokuwedzera mari, uye kuti raivapo chikwereti uye dhipoziti itsva inopfupikisa anowedzerwa.

Iye zvino ngatikurukurei zvatingaita kuti ngaaverenge rwezvemabhengi multiplier. The yemaitiro iri sezvinotevera:

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

Kb.m. - coefficient multiplier kubhengi;

M2k.g. - nemari pakupera kwegore mumusha macho;

M2n.g. - kukura mari romugove pakutanga nezvezvinotaurwa gore;

M0n.g. - rose uwandu Mari pakutanga nezvezvinotaurwa gore.

Banking multiplier chete anoshanda kana rwezvemabhengi hurongwa ane mbiri nhanho. Zvayaiva nezuva rokutanga Central Bank, iro anodzora mashandiro. Uye pazuva rechipiri chechetere vari zvakananga yezvokutengeserana mabhanga pachavo kuti zvakatanga, zvisinei zvavanoda. Panyaya iyi, migumisiro kuwedzera mari haina kubudirira rimwe sangano chete, asi yose rwezvemabhengi hurongwa. Zviri pachena kuti rwezvemabhengi kuchangamuka kunoenderana ukuru zvaida reserves. Rezasi inoenzanirana, zvikuru yezvokutengeserana mabhanga 'vakasununguka reserves, ivo kuyangarara uye pakudaro kuwedzera mari rive.

Banking multiplier unogona kushanda nenzira negwara. Kana makasitoma kutanga chirwirangwe kuti mubve mari kubva deposits, yaipedzerwa zvikwereti zvose uchaderedzwa uye mbiri crunch mari rive.

Zvinokosha kucherechedza kuti pakati zvose zvinoshingaira mabasa ari rwezvemabhengi zvekutepfenyura chete chikwereti upfumi anogona kusika deposits idzva, nokudaro akazadzisa mashandiro akabuda National rwezvemabhengi hurongwa. The yakakura chikwereti iri rakapa, chikuru vhoriyamu kucherechedzwa nyaya.