基于个体消费的银行货币需求分布研究

Research of Demand Distribution of Customers for Individual Consumptions for Currency

文章分析了一个营业日向银行取款的客户数量,该变量服从Poisson分布。将客户按富裕程度分为三个层次,即工薪阶层、较富阶层和富裕阶层,构造出单个客户取款数量的密度函数。并分析了客户对银行货币需求的概率分布,将其归结为一个泛函极值问题,并进行了求解,结论是客户对银行货币需求的分布为指数分布。

In this paper,The number of customers who draw money from a bank is analyzed,which follows a Poisson distribution.Customers are divided into three levels—the salaried classes,the rich classes,and the richest classes according to how much wealth they own.I design a density function of amount of money individual customers withdraw.I also analyze the probability distribution of money demand in a bank,and conclude it with a question about functional extreme value.The final conclusion is that the demand distribution of currency is a exponential type distribution.