Page 165 - DECO402_MACROECONOMIC_THEORY_PUNJABI

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

ky bYNk Pwlqu kOS 1000-271 =729 rupey iksy hor ivAkqI nUM krz dy rUp iv`c dy skygw[ bYNk rwhIN krz È؇
dyx dI ieh pRikirAw a`doN q`k cldI rhygI jdoN qk Pwlqu koS (Excess Reserves) zIro nhI ho jWdw[ AMq
iv`c bYNk dw siQqI ivvrx ies pRkwr hovgw-

bYNk dw siQiq ivvrx
(jd v`D qo v`D koS purI qrW Kqm ho jwdW hY)
dyndwirAW (Liabilities) pirsMpiqAW (Assets)

mMg jmw (i) nkdI pRwpqI = 1,000 ru.
(i) SuruAwqI jmw = 1,000 ru. (ii) krz = 100 ru.
(ii) gox Aqy swK jmw = 900 ru. 810 ru.
810 ru. 729 ru.
729 ru.
iehI islislw jd q`k v`D koS jIro nhI ho jwdW

kul = 10,000 ru. kul = 10,000 ru.

ies pRkwr 1,000 rupey dI nkd pRwpiq dy ADwr qy bYNk 10,000 rupey dI mMg jmw dw inrmwx
krdw hY[

 1 1 
=
 × 1,000 = × 1000 Rs.10,000  ikauik ies audwhrx dw swK guxk 10 hY[
 CRR 10% 
1 1
swK guxk = = = 10
CRR 10%
ArQivvsQw iv`c swK/mudrw dI pUrqI iv`c 10,000 rupey dI virDI ho jWdI hY[
nqIjw : bYNk dI mMg jmw iv`c 1,000 rupey (pRwQimk jmw dy rUp iv`c) dI pRwrMiBk virDI hox qy Aqy nkd
AwrkiSq Anupwq (CRR) dI 10 pRiqSq dI mwnqw dy ADwr qy bYNk dI mMg jmw (pRwQimk Aqy gox jmwvW dw
joV) v`D ky 10,000 rupey ho jwvygI[

17.5 bIjgixq dI AiBivAkqI (Algebraic Expression)
swK inrmwx pRkirAw iv`c bIjgixq dI AiBivAkqI ies qrW hY –

2
3
∆D = ∆P + ∆P (1 – r) + ∆P (1 – r) + ∆P (1 – r) +...........
2
3
= ∆P{1 + (1 – r) + (1 – r) + (1 + r) +.........}
ijQy, ∆D : SuruAwqI pRwQimk jmw dy SuruAwqI bdlwv dy kwrx mMg jmw iv`c kul bdwlv
∆P : pRwQimk jmw iv`c bdlwv
r : nkd AwriSq Anupwq (CRR)
au`qy idqy gey audwhrx ƒ jwrI rKdy hoey ijQy ∆P = 1,000 ru. Aqy r (CRR) = 10 % swK inrmwx pRkirAw
ies qrW hovygI –

LOVELY PROFESSIONAL UNIVERSITY 159