Thursday, April 7, 2016

Unit IV: Final Notes


*When a customer deposits cash or withdraws cash from their demand deposit account, it has no effect on the money supply
 It only changes:
1.    The composition of the money
2.    Excess reserve
3.    Required reserves (due to the changes of DD)
Single Bank: loan money from excess reserves (ER) only
Banking system: ER X multiplier = total money supply
When the FED buys or sells bonds, ER is created.
$200 x (1/.2) = $1000

RRR= 20% 

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