뒤로Required Reserves and the Deposit Multiplier definitions
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1/15뒤로Skip to main content뒤로Money Supply
Total amount of currency in circulation plus checking account deposits, reflecting the economy's liquid purchasing power. Checking Account Deposit
Funds placed in a bank account that can be withdrawn on demand and are included in the calculation of the money supply. Reserve Ratio
Proportion of deposits a bank must keep as reserves, typically set by government regulation, influencing lending capacity. 100% Reserve Banking
System where all deposits are held as reserves, preventing banks from lending out any portion of deposits. Fractional Reserve Banking
System where banks keep only a fraction of deposits as reserves, lending out the remainder to increase economic activity. Required Reserves
Minimum reserves a bank must legally hold, determined by multiplying the reserve ratio by total deposits. Excess Reserves
Funds held by a bank above the mandated minimum, available for lending to borrowers. Asset
Resource owned by a bank, such as cash or loans, that provides future economic benefit. Liability
Obligation of a bank, including customer deposits, that must be repaid on demand. Loan
Sum of money lent by a bank to a borrower, increasing the money supply when spent and redeposited. Deposit Multiplier
Factor showing how an initial deposit can lead to a greater total increase in the money supply through repeated lending. Money Multiplier
Value calculated as one divided by the reserve ratio, indicating the maximum potential increase in the money supply from new deposits. Currency in Circulation
Physical cash held by the public, not deposited in banks, forming part of the money supply. Bank Balance Sheet
Financial statement showing a bank's assets and liabilities, used to track reserves, loans, and deposits. Government Mandate
Official requirement, such as the reserve ratio, imposed on banks to regulate their operations and stability.
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