清华经济学原理23货币制度.pptVIP

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * 银行挤兑和货币供给 Bank Runs and the Money Supply 由于银行只以准备金持有部分存款，因此它不可能满足所有储户提款的要求，即使银行实际上有偿付能力（资产大于负债）。 Because a bank holds only a fraction of its deposits in reserve, it cannot satisfy withdrawal request from all depositor even if it is in fact solvent (meaning that its assets exceed its liabilities). 银行挤兑使货币创造的过程反方向起作用，从而减少了货币供给。 Bank runs reverse the process of money creation, thus reduce the money supply. * 总结Summary 货币在经济中发挥三种职能：作为交换媒介、记帐单位和价值储藏。