Page 163 - DECO402_MACROECONOMIC_THEORY_PUNJABI

iekweI–17: mudrw guxk Aqy vixijXk bYkW rwhI swK inrmwx

(4) swK guxk (Credit Multiplier) – pRwQimk jmw iv`c viriD Aqy kul jmw dy iv`c viriD dy Anupqw ƒ È؇
swK gulk khdy hn[ jykr pRwQimk jmw iv`c 1,000 rupy dI viriD dy pirxwmsvrup 10,000 rupy dI swK dw
inrmwx huMdw hY qW swK guxk 10 hovygw[ swK guxk Aqy nkd AwriSq Anupwq (CRR) dy ault sMbD ƒ hyT
ilKy smIkrx dy rup iv`c pyS kIqw igAw hY[

1
swK guxk (Credit Multiplier) =
nkd AwriSq Anupwq (Cash Reserve Ratio)

mudrw guxk Aqy swK guxk iv`c AMqr
(Difference between Money Multiplier and Credit Multiplier)
mudrw guxk : mudrw dI purqI Aqy au`c Skiq mudrw dw Anupwq hY[

+
1c
m =
cr e
++
swK guxk : kul jmwvW iv`c viriD Aqy bYNk dI pRwQimk jmwvW iv`c viriD dw Anupwq hY jW nkd AwriSq
Anupwq (CRR) dw imldw jUldw (reciprocal) hY[
∆ D 1
swK guxk = =
∆ P r
ieQy r : AwriSq Anupwq, D : kul jmwvW, P : pRwQimk jmwvW[

√ÚÀ ÓπÒª’‰ (Self Assessment)
bhuivklpIAw pRSn (Multiple Choice Questions):
3. gox jmw dw inrmwx hI hY-
(a) swK inrmwx (A) swK
(e) jmw (s) iedy iv`co koeI nhI[
4. krz jmw rwiSAW dw krdy hn -

(a) cunwau (A) inrmwx
(e) swK (s) iedy iv`co koeI nhI[
5. pRwQimk jmw iv`c viriD Aqy kul jmw iv`c viriD dy Anupwq ƒ khwdy hn -
(a) swK guxk (A) swK
(e) guxk (s) iedy iv`co koeI nhI[
6. PwlqU koS hI swK inrmwx dw bxdw hY -
(a) AwDwr (A) bjt
(e) guxk (s) iedy iv`co koeI nhI[

17.4 swK inrmwx dI kwrvweI Aqy bYNk swK dw inrmwx ikvy kr skdy hn?
(Process of Credit Creation or How do Banks Create Credit?)

vwixijXk bYNkW dI swK ivsqwr pD`qI iehnW srqW qy ADwirq hY-
(i) bYNkW dy nkd ArkiSq Anupwq iv`c siQrqw - bYNkW dI vwixijXk kul jmwvW dw nkd ArkiSq Anupwq
swK isrjn p`Diq dy AMqrwl smwn rihMdw hY[

LOVELY PROFESSIONAL UNIVERSITY 157