Page 164 - DECO402_MACROECONOMIC_THEORY_PUNJABI

smStI ArQSwsqr dy isDWq

È؇ (ii) nkd pRvwh nw hoxw - bYNikNg ivvsQw qoN hdoN v`D nkd pRvwh nhIN hoxw cwihdw Bwv lokW nUM krMsI dw
iek inridSt pRiqSq ivinmX dy leI Awpxy kol rKxw cwihdw hY[
swK inrmwx dI pRikirAw dw AiDAn do BwgW iv`c kIqw jw skdw hY-
(1) iek bYNikNg pRxwlI Aqy (2) bhubYNikNg pRxwlI
(1) iek bYNikg pRxwlI iv`c swK dw inrmwx (Credit Creation in a Single Banking System)

ieh kyvl iek srl mwnqw hY ik iek ArQivvsQw iv`c kyvl iek hI bYNk swry bYMNikg kwrobwr krdw hY[ mMNn
lvO Mr. X bYNk iv`c 1.000 rupieAw jmw krdw hY[ pRwQimk jmw dy rUp iv`c ieh rkm bYNk dI mMg jmw hY[
ies mwnqw qy ik nkd AwrkiSq Anupwq (CRR) 10% hY[ bYNk dy siQiq ivvrx dw rUp ies pRkwr hovygw-

bYNk dw siQiq ivvrx
(SuruAwq dI jmw 1,000 ru. hox qy)

dyndwirAW (Liabilities) pirsMpiqAW (Assets)
mMg jmw 1,000 ru. nkdI = 1,000 ru.
(SuruAwqI jmw) nkd AwriSq iniD = 100 ru. (1,000 dw 10%)

v`D qo v`D (PwlqU) koS = 1,000 – 100 = 900 ru.
kul = 1,000 ru. kul = 1,000 ru.

ibnW qrlqw Aqy suriK`Aw sMbDI joiKm dy, bYNk 900 rpey krj dy skdw hY jykr bYMk ies qrW krdw hY qW
iesdw siQiq ivvrx ies qrW hovygw -

bYNk dw siQiq ivvrx
(jd SuruAwqI v`D koS qy krz bdlw jwdW hY)

dyndwirAW (Liabilities) pirsMpiqAW (Assets)
(i) mMg jmw (SuruAwqI jmw) = 1,000 ru. (i) nkdI pRwpqI = 1,000 ru.
(ii) mMg jmw = 900 ru. nkd AwriSq iniD (1,000 dw 10%) = 100 ru.
(gox Aqy swK jmw) PwlqU koS = 1000 – 100 = 900
(ii) krz = 900 ru.

kul = 1,900 ru. kul = 1,900 ru.

krz dI rkm 900 rupey ik`Qy jWdIN hY? jykr aDwr lYx vwlw ivXkqI 900 rupey dw cYk iksy hor ivXkqI (ijs
dw Kwqw asI bYNk iv`c huMdw hY) nUM idMdw hY, qW bYNk dy 1,000 rupey dy nkd irzrv iv`c koeI KlblI nhI mc`dI[
bYNk dI mMg jmw 1,900 rupey ho jWdI hY ijsdy leI asnUM nkd AwrkiSq nkdI inDI 190 ru.
 10 
 × 1,900  cwihdI hY[ ies siQqI iv`c bYNk dy kol PwlqU koS 1,000-190 = 810 rupey bc jweygw[
 100 
bYNk dy leI 810 rupey dw iek hor krz dyxw sMBv ho jwvygw[ q`d Anuswr bYNk dw mMg jmw dw joV 1,000+
900 +810 =2,710 rupey ho jwvygw[jykr krzdwr ivAkqI 810 rupey dw cyk iksy eysy ivAkqI nUM dy idMdw
hY ijsdw Kwqw asI bYNk iv`c hY qW bYNk dy 1,000 rupey dy nkd irzrv iv`c iPr koeI KlblI nhI m`cygI[
bYNk dI mMg jmw 2,710 rupey dy leI 271 rupey (2,710 dw 10 pRiqSq) nkd AwrkiSq inDI dy rUp iv`c r`K

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