Ndalama multiplier

M'dera la ngongole, limene mbali ndi mabanki, ntchito mawu monga ngongole, gawo ndi ndalama multiplier. Pakuti anthu kutali chuma, ndi zina zovuta kupeza kutanthauzira kwa mawu enieni. Choncho n'kopindulitsa amaona mwatsatanetsatane kumvetsa kugwira ntchito dongosolo banki ndi kutanthauzira zolondola mfundo izi.

Ngati tiyang'ana kwa malongosoledwe m'kalankhulidwe chuma, ndipo kumeneko mungapeze mudziwe mfundo ngongole multiplier: ndi chiwerengero cha kuwonjezeka yobweretsa ndalama, amene m'manja mwa Bank, kudzera zochita za malo ngongole. Pa chiyambi cha ntchito zake banki ali ndi kuchuluka kwa ndalama zomwe ali padera mu likulu lake monga gawo a. Ndalama kotunga (ie, likulu) ndi kukula ndi kukula zimadalira amafuna malo, monga mfundo zija. Chifukwa, aliyense banki wolandira chuma, mukhoza kuwonjezera kwa nkhokwe zawo kuchuluka kwa ndalama zimene munalandira ndi iye. Nthawiyi, zina inasanduka malo zotsala ndi kunditumiza ku ngongole ya. Multiplicity patsogolo likulu banki ndi inversely njila kwa ponseponse analipo a nkhokwe lamulo.

Poyankha, kutanthauzira ndi maganizo "gawo multiplier" inatero Dictionary wa Terms Business. Mu tanthauzo lake la iwo chinthu zabwino kusintha ndalama ku banki madipoziti, yomwe ndi chotsatira chake cha ntchito mobwerezabwereza kwa yemweyo ndalama okwanira pa msika, ngongole ndi kubanki.

Ndipo iye ndi mtundu wina wotchedwa kuchulukitsa ndalama, popeza onse ntchito pa chigawo cha ndalama ndalama. Bank (ndalama) multiplier - ndi kuonjezera kuchuluka kwa okwanira ndalama, yomwe ndi chotsatira chake cha kupitirirabe ngongole kubanki ndi gawo ntchito. Bank chapakati nthawi ntchito za mabanki ena malonda, amene amapangidwa amafuna wapadera malo.

Only dongosolo banki angathe kugwira ndalama makanema ojambula. membala munthu alibe mphamvu yotere. N'zotheka chitsanzo yeniyeni. mabungwe ngongole kuti kubetcherana pa malo kuvomerezedwa mu kuchuluka peresenti asanu. Ngati kasitomala amaika banki mu nkhani gawo chifukwa rubles chikwi, makumi asanu rubles wa iwo kugwa pa nkhani mtolankhani ku Bank ndi Central, ndi mazana asanu ndi anayi makumi asanu ndi pa kutaya banki wosindikiza iwo pa ngongole. Cha ndalamazo, ena ngongole bungwe amatenga peresenti asanu malo, ndi kuchuluka otsala ngongole kwambiri. Chifukwa cha zimenezi, anthu ambiri a ndalama si ndalama dongosolo kubanki.

Zimenezi amatchedwa ngongole. Iye lili ndi dzina la patsogolo ngongole. Kupita nkhani za ngongole ndalama mu dongosolo kubanki. The crunch ngongole ikuchitika pamene kasitomala anabwerera ndi ngongole. The ndalama okwanira sasintha. Choncho pali kuchuluka kapena kuchepa izo. Kuwerengetsa chiŵerengero, umene ndi banki, ndalama multiplier, m'pofunika kuwerengera chiŵerengero pakati pa kusowa ndalama ndi tsinde. Ngati kuwonjezeka mu kuchuluka redundancy mokakamizidwa mwayi kuchepetsedwa kwa dongosolo banki kulenga nkhani ngongole, ndi mosemphanitsa.

Mitengo akugwa, ngati mukufuna yotithandiza chuma. Motero akuwonjezeka okwanira ndalama, ndipo kumachepetsa kuchuluka kwa ngongole ya. kanthu osiyanitsidwa amatengedwa ngati pali kuopseza kufufuma.

Latsopano la Russia, anakhazikitsa malamulo, kuti yekha Bank ku Central ali ndi ufulu kulamulira umuna ndalama si ndalama, choncho angathe kuti achepetse kapena kufotokozera mabanki malonda awo mwayi chilungamo. The ndalama multiplier kuchita masamu ngati mlingo wa kuwonjezeka kwa ndalama gawo pa magombe malonda pa kulemera ndalama kusamukira ku banki wina ndi mzake. mlingo uwu sangafikire phindu pazipita, chifukwa gawo la ndalama unachitikira mu nkhokwe free, si amalandira ntchito kukongoza.

Cartoonist, monga kayendedwe ka okwanira ndalama - kuyenera kupitiriza. Kuwerengetsa koyefishienti ake angakhoze kokha kwa nthawi zina.