Page 168 - DECO402_MACROECONOMIC_THEORY_PUNJABI

smStI ArQSwsqr dy isDWq

È؇ bYNk ‘C’ SuruAwqI jmw 810 ru. dw 10% nkd AsIimq (CRR) dy rup iv`c r`Kky bwkI 729 ru. aDwr dy
iddw hY[ bYNk ‘C’ dw AwKrI siQiq ivvrx hyT qrW dw hovygw[ -

bYNk ‘C’ dw AwKrI siQiq ivvrx

dyndwirAW (Liabilities) ru. (Rs) pirsMpiqAW (Assets) ru. (Rs)
jmw (Deposits) 810 AwriSq iniD (CRR) 81
auDwr (Loans) 729

kul (Total) 810 kul (Total) 810

swK ivsqwr dI ies pDiq qd q`k cldI rvygI jd q`k 1000 ru. dI pRwQimk iniD
(Reserve Fund) dy rup iv`c purI bYNikg ivvsQw iv`c v`fI n jwvy[ swirAW bYNkW imlky 9000 ru. mu`l
dI nvI jmw dw inrmwx krxgy Aqy kul bYNikg pRxwlI dI jmw 10,000 ru. hovygI, ijvyjw qwilkw
17.1 rwhI ivKwieAw igAw hY[

qwilkw 17.1

bYNk nvI jmw nkd AwriSq iniD nvy auDwr
(Bank) (New Deposits) (CRR) (New Loans)
A 1,000 100 900
B 900 90 810
C 810 81 729
hor bYNk 729 - -
- - -
swrI bYNikg pRxwlI dw jox 10,000 1,000 9,000
(Total for the Banking System)

kul jmw iv`c bdlwv = pRwQimk jmw × swK guxk

1 1
swK guxk = = = 10
CRR 10%
kul jmw iv`c bdlwv = 1000 × 10 = 10, 000
ivsqwr iv`c, swrI bYNikg pRxwlI dI kul jmw, SuruAwqI jmw 1,000 ru. dy kwrx, 10,000 ru. ho
jwvygI[

‡≈√’ mudrw guxk dy sMbD iv`c Apxy ivcwr pyS kro[

17.6 swK sirjn dI sImwvW (Limitations of Credit Creation)

bYNk AsIimq mwqrw iv`c swK dw inrmwx nhI kr skdy[ ivAwpwirk bYNkW dI swK inrmwx krx dI Skiq dI
keI h`dW huMidAW hn, ijhdw ivvrx ies qrW hY -

162 LOVELY PROFESSIONAL UNIVERSITY