貨幣乘數的放大效果是哪來的? - 經濟

By Hazel
at 2019-10-31T00:32
at 2019-10-31T00:32
Table of Contents
※ [本文轉錄自 Finance 看板 #1TkQS_BY ]
作者: JoIsJohn (joisjohn) 看板: Finance
標題: [請益] 貨幣乘數的放大效果是哪來的?
時間: Wed Oct 30 23:07:37 2019
小弟並非金融科系或從業人員
周遭沒有老師或前輩可以請教
所以來版上請問大大們一個問題
最近聽到一個概念叫做"貨幣乘數"
https://mplwt0715.pixnet.net/blog/post/24783099
我聽到的內容大致上和網址內上半部說的一樣
假設政府發行貨幣10000元, 且法定存款準備率是1/10
則銀行A只要放1/10的準備金在行內讓人提領, 其他9/10都可以借出去
而這9/10流入銀行B的話, 銀行B又可以留下1/10, 借出9/10
如此反覆操作會有10倍的放大效果
最後市場上會有10x10000的貨幣
我不明白的是
其實明明國家內就只有10000元的貨幣(假設是鈔票好了)
在人們手上流通或在銀行裡擺著當準備金
(銀行A的1000+銀行B的900+銀行C的810+... = 10000)
為什麼會說貨幣放大到了10倍??
難道銀行A明明手上只剩1000元, 但可以二度使用那些借出去(且尚未收回)的9000元?
不知道有沒有哪位大大可以指導小弟一下
謝謝
--
作者: JoIsJohn (joisjohn) 看板: Finance
標題: [請益] 貨幣乘數的放大效果是哪來的?
時間: Wed Oct 30 23:07:37 2019
小弟並非金融科系或從業人員
周遭沒有老師或前輩可以請教
所以來版上請問大大們一個問題
最近聽到一個概念叫做"貨幣乘數"
https://mplwt0715.pixnet.net/blog/post/24783099
我聽到的內容大致上和網址內上半部說的一樣
假設政府發行貨幣10000元, 且法定存款準備率是1/10
則銀行A只要放1/10的準備金在行內讓人提領, 其他9/10都可以借出去
而這9/10流入銀行B的話, 銀行B又可以留下1/10, 借出9/10
如此反覆操作會有10倍的放大效果
最後市場上會有10x10000的貨幣
我不明白的是
其實明明國家內就只有10000元的貨幣(假設是鈔票好了)
在人們手上流通或在銀行裡擺著當準備金
(銀行A的1000+銀行B的900+銀行C的810+... = 10000)
為什麼會說貨幣放大到了10倍??
難道銀行A明明手上只剩1000元, 但可以二度使用那些借出去(且尚未收回)的9000元?
不知道有沒有哪位大大可以指導小弟一下
謝謝
--
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