零准备金制度

零准备金制度下商业银行储备管理行为

Behavior of Bank Reserve Management Under Zero Reserve Requirement System

论述了零准备金制度的含义及利率变动机制。

The notion of zero reserve requirement and the mechanism of interest changing are discussed .

存款准备金制度已经发展了百余年之久，发达国家对存款准备金率工具完成了四个演变过程，如今许多国家已经开始使用零准备金制度。

The deposit reserve system has been developed over a hundred years , and developed countries have completed four evolutionary process , and now many countries have begun to use the zero reserve system .

在大多数国家都大幅度调低准备金率的背景下，墨西哥实行了零准备金制度，它具有货币乘数弹性大、商业银行盈利机会多、稳定利率效果好、调控方式简便等特点。

As many nations cut the required rate of reserve , Mexico implemented zero reserve system , which carries the following characteristics : greater elasticity of monetary multiplicator , more chances for commercial banks to make money , better effect of stabilizing interest rate , simplifying regulation .

通过建立商业银行储备管理的一般均衡模型，对有准备金制度和零法定准备金制度下的商业银行的储备管理行为进行了对比研究。

In this paper , the different behaviors of bank reserve management were analyzed by using two general equilibrium models .