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Core Assessment

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Submitted By Litflynt
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FI 363
Financial Institutions and Market
Core Assessment

Discuss the money supply response to changes in key variables including the reserve ratio, the non-borrowed monetary base, the discount rate, the currency ratio, the deposit outflows and market interest rates. In financial markets, the money supply can and does respond to different factors and events that can change how the money supply is handled, addressed and issued. The reserve ratio, or the cash reserve ratio, is a regulation that sets the minimum reserves each bank must hold against deposits and notes. The more deposits the bank has, the more of a ratio it might need to hold against its deposits. The non-borrowed monetary base which can deal with the federal reserve holdings of both currency in circulation and reserves as well as the treasury’s holdings can affect the money supply as this is the where the money comes from and depending on the policies the federal reserve wants to maintain, can adjust the monetary base and make changes to affect the market supply of money. With that change, the Federal Reserve can affect monetary policy and then turn around and make loans to banks. The loans made to the banks come with a small bit of interest called the discount rate, the amount the Federal Reserve charges the banks for use of the issued money. Depending on the rate, banks can set their interest rates, which would affect how many people would qualify for lending. The currency reserve ratio is how international countries and banks hold the U.S. dollar in reserve based on their currency pegged against our dollar. The more the disparity between currencies is, the more the other countries will need to hold our dollar in reserve, which would reduce the amount of supply locally available for use. Deposit outflows are bank management principles and consist of rules that state that banks can pay out the

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