存款乘数与商业银行经营

Dposit Multiplier and the Operation Strategy of a Bank

现金漏损是银行和公众重新分配银行的超额储备,改变的是银行的总储备或超额储备,丝毫不会改变存款乘数。存款乘数一定是总存款乘数,不能有部分存款乘数,如“支票存款乘数”。银行的存款扩张,一靠准备,二靠乘数,存款乘数是准备制度基本约定的一个比率,既然乘数不能任意提高,就只有扩大准备一途可走,以存款负债形式从公众获得现金从理论上看是银行经营的最强方式。

Essence of deposit multiplier is the fractional reserve ratio in monetary system. Cash drains of banking system can＇t change deposit multiplier in any way, it can only change the reserves of bank or banking system. Deposit multiplier is only the ratio of deposits balance to reserves. Cande creases deposit multiplier that banks raise their exceaa reserves, so the strategy of a bank＇s debit-credit operations is but getting more reserves and holding lowest spare cash, extending it＇s assets-liabilities sheet under the principle of safiy.