What factors affect the performance of the reserve requirement system? And how does it affect? 20

Deposit reserves are the main component of commercial banks' cash assets. The deposit reserve consists of two parts: one is the statutory deposit reserve that is handed over in accordance with the proportion stipulated by the ** bank

The second is the excess reserve in the reserve account that exceeds the statutory reserve reserve. Therefore, the management of deposit reserves includes two aspects: meeting the statutory deposit reserve requirements of ** banks and controlling the appropriate size of excess reserves.

The statutory deposit reserve is the reserve deposited with the ** bank according to the statutory ratio according to the deposit balance of the commercial bank.

The management of statutory deposit reserves is mainly to accurately calculate the amount of statutory deposit reserves required and the reserves to be submitted in a timely manner. In commercial banks in Western countries, there are two methods for calculating the statutory reserve requirement, one is the lag reserve calculation method, which is mainly applicable to the calculation of reserves for deposits in non-trading accounts. The other is the synchronous reserve calculation method, which is mainly applicable to the calculation of reserves for deposits in trading accounts.

Excess reserves are the part of deposits that commercial banks have deposited in excess of the statutory reserve requirements in the ** bank reserve account. Excess reserves are the most important available positions of commercial banks, and they are the reserve assets used by banks to make investments, loans, pay off debts, and draw down business working capital.

1) Factors influencing the amount of excess reserve requirements.

1) Deposit fluctuations.

Deposits of commercial banks include corporate deposits and savings deposits. Changes in corporate deposits are mainly made in the form of transfers, while changes in individual savings deposits and some corporate deposits are mainly expressed in cash receipts and expenditures.

The impact of loan origination and recovery on excess reserves depends mainly on the extent to which the loan is used.

Similarly, the impact of loan recovery on excess reserves varies depending on the person to whom the loan is being borrowed.

Therefore, the formula for calculating the excess reserve requirement for loan origination is:

Excess reserve requirement for loan origination = Loans to other banks + (Loans to the Bank – Loans recovered) Statutory reserve ratio.

In addition to the deposit factor, a number of other factors also affect the excess reserve requirements of commercial banks. The main of these factors are:

One is the factor of borrowing from ** bank.

The second is the factor of intra-industry exchanges.

The third is the statutory reserve factor. Fourth, the factor of credit fund allocation.

Influencing factors of excess reserves: 1. Interbank lending rate, when the bank's interbank lending is relatively difficult, ensure timely payment, and appropriately retain excess reserves.

The central bank's financial regulation policy.

For example, the economy is overheating, and inflation -- the reserve requirement percentage is increased by ---

Rising interest rates --- consumption, and investment is suppressed.

People just want to save money and don't want to withdraw it.

The function of the reserve requirement ratio is that by adjusting the reserve ratio, banks can affect the credit expansion ability of financial institutions, thereby indirectly regulating the amount of money.

When the bank raises the statutory reserve ratio, the ability of the commercial bank to provide loans and create credit decreases. Because the reserve ratio increases, the money multiplier becomes smaller, thus reducing the ability of the entire commercial banking system to create credit and expand the scale of credit, and the result is that the monetary system of the society is tight, the amount of money is reduced, the interest rate is increased, and investment and social expenditure are reduced accordingly.

For example, if the deposit reserve ratio is 7%, it means that for every 1 million yuan of deposits absorbed by financial institutions, they must deposit 70,000 yuan of deposit reserves with the central bank, and the funds used to issue loans are 930,000 yuan.

Affecting banks' ability to borrow: Raising the reserve requirement ratio.

The amount of loans available to banks has decreased, and customers have borrowed from banks.

The difficulty increases, and the interest rate on the loan increases.

Influencing interest rates: Monetary policy is tightened.

It is conducive to curbing inflation.

If the reserve requirement ratio rises, there will be upward pressure on interest rates, which is a signal of a tight monetary policy. The RRR is specific to financial institutions such as banks, and the impact on end customers is indirect; Interest rates are specific to the end customer, such as the interest on your deposit, and the impact is immediate.

1. Buffer function. The establishment of a reserve requirement system will help stabilize the overnight interest rate in the event of a change in the status of liquid assets. 2. Liquidity asset management function.

Banks are provided with a reserve requirement that compensates for the supply of liquid assets generated through spontaneous factors. Since the 30s of the 20th century, the deposit reserve system has also become an important means for the state to regulate the economy, and it is a system for the bank to control the credit scale of commercial banks. **The reserve requirement ratio (RRR) is the ratio of the bank's reserve requirement to its total deposits.

Silver distribution has now become an important tool of the bank's monetary policy, and it is one of the three traditional monetary policy tools. The reserve was originally intended to guarantee payment, but it brought an unexpected "by-product", that is, it gave commercial banks the function of creating money, and eventually became an important tool of the bank's monetary policy. The financial system has evolved to this day, and the original "by-products" have become "fist products" and have risen to a major position.

The role of reserve guarantee payment is not so obvious, because with the development of the financial market, commercial banks have become more and more widely able to finance funds, and they are no longer overly dependent on reserves as they were in the early days when they were able to withdraw funds from customers. What is Reserve Reserve? From our reading, we can understand that the deposit margin is a kind of deposit prepared to guarantee the withdrawal of the deposit by the customer.

Among them, the deposit margin plays a pivotal role in the financial market and has become an important tool of China's leading bank monetary policy. It can be seen that the importance of deposit margin.

Legal basis: Article 1 of Chapter 1 of the General Provisions of the Enterprise Bank (China) **** Deposit Reserve Deposit Management System is formulated in accordance with the relevant regulations of the People's Bank of China in order to standardize the management of deposit reserves and achieve sound operation and sustainable development.

Q: The characteristics of the reserve requirement policy and its adjustment mechanism

Proofreading Answer:The most striking feature of the reserve requirement policy is the violentness of its role. Because the statutory reserve ratio is one of the main factors affecting the currency multiplier, it is inversely proportional to the currency multiplier.

Briefly describe the regulation mechanism of the reserve policy, that is, the bank adjusts the statutory reserve ratio by adjusting the statutory reserve ratio in response to the economic boom and recession and the tightening of the monetary policy.

At the same time, along with the adjustment of the statutory reserve ratio, there will also be a potential regulatory function, that is, a notice effect.

In addition, even if the statutory reserve requirement ratio is not adjusted, the regulatory mechanism still exists. This is because the legal provisions on this ratio have effectively limited the ability of commercial banks to create credit.

After three of the four doors, I am satisfied, and I will continue to work hard next time. 92 points in English II, 80 points in Computer Application in Management Systems (Practice), and 73 points in Labor Policy Analysis.

The first time I took the exam for self-study accounting, I just checked the results, "Political Economy (Finance and Economics)" 96 points, "Accounting with Public Institutions" 77 points, "Introduction to Economic Law (Finance and Economics)" 65 points, applied for three courses, all passed, such as staring at which is so happy, thank you online school teacher.