Page 182 - DECO402_MACROECONOMIC_THEORY_HINDI

lef"V&vFkZ'kkL=k osQ fl¼kar

uksV Fund) osQ :i esa iwjh cSa¯dx O;oLFkk esa c¡V u tk,A lHkh cSad feydj 9]000 #- ewY; dh ubZ tek dk fuekZ.k
djsaxs rFkk oqQy cSa¯dx iz.kkyh dh tek 10]000 #- gksxh] tSlk fd rkfydk 17-1 }kjk fn[kk;k x;k gSA

rkfydk 17-1

cSad u;h tek udn vkjf{kr fufèk u, mèkkj
(Bank) (New Deposits) (CRR) (New Loans)

A 1]000 100 900
B 900 90 810

C 810 81 729
vU; cSad 729 µ µ

µ µ µ

leLr cSa¯dx iz.kkyh dk tksM+ 10]000 1]000 9]000

(Total for the Banking System)

oqQy tek esa ifjorZu = izkFkfed tek × lk[k xq.kd

1 1
lk[k xq.kd = = = 10
CRR 10%

oqQy tek esa ifjorZu = 1000 × 10 = 10,000
la{ksi esa] leLr cSa¯dx iz.kkyh dh oqQy tek] vkjafHkd tek 1]000 #- osQ dkj.k] 10]000 #- gks tk,xhA

VkLd eqnzk xq.kd osQ lacaèk esa vius fopkj O;Dr dhft,A

17-6 lk[k l`tu dh lhek,¡ (Limitations of Credit Creation)

cSad vlhfer ek=kk esa lk[k dk fuekZ.k ugha dj ldrsA O;kikfjd cSadksa dh lk[k fuekZ.k djus dh 'kfDr dh
dbZ lhek,¡ gksrh gSa] ftudk fooj.k bl izdkj gSµ

(1) udn vkjf{kr vuqikr (Cash Reserve Ratio)µlk[k fuekZ.k dh 'kfDr eq[;r% udn vkjf{kr
vuqikr (CRR) ij fuHkZj djrh gSA lk[k fuekZ.k vkSj udn vkjf{kr vuqikr esa ikjLifjd mYVk lacaèk gSA udn
vkjf{kr vuqikr ftruk vfèkd gksxk mruk gh lk[k dk fuekZ.k de gksxkA blosQ foijhr udn vkjf{kr vuqikr
ftruk de gksxk mruk gh lk[k dk fuekZ.k vfèkd gksxkA mnkgj.k osQ fy,]

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