{"id":27140,"date":"2023-12-07T03:20:52","date_gmt":"2023-12-07T03:20:52","guid":{"rendered":"https:\/\/masterskills.org\/blog\/ti-le-du-tru-bat-buoc-required-reserve-ratio-la-gi.html"},"modified":"2023-12-22T14:55:11","modified_gmt":"2023-12-22T07:55:11","slug":"ti-le-du-tru-bat-buoc-required-reserve-ratio-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/ti-le-du-tru-bat-buoc-required-reserve-ratio-la-gi.html","title":{"rendered":"T\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c (Required reserve ratio) l\u00e0 g\u00ec?"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda. Ngu\u1ed3n: creentrepreneur<\/p>\n<\/div>\n<\/div>\n

T\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c l\u00e0 g\u00ec (Required reserve ratio)<\/font><\/h2>\n

\u0110\u1ecbnh ngh\u0129a<\/b><\/span><\/p>\n

D\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c<\/b> (Required reserve<\/b>) l\u00e0 l\u01b0\u1ee3ng ti\u1ec1n m\u1eb7t m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i k\u00ed g\u1eedi v\u00e0o qu\u0129 d\u1ef1 tr\u1eef c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng.<\/p>\n

T\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c<\/b> trong ti\u1ebfng Anh l\u00e0 Required reserve ratio<\/b>. T\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c l\u00e0 t\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef t\u1ed1i thi\u1ec3u m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i duy tr\u00ec theo qui \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng.<\/p>\n

M\u00f4 t\u1ea3 nghi\u1ec7p v\u1ee5<\/font><\/h3>\n

Ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng t\u1edbi cung \u1ee9ng ti\u1ec1n t\u1ec7 th\u00f4ng qua t\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c<\/b>. T\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c<\/b> \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn l\u01b0\u1ee3ng ti\u1ec1n m\u00e0 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u1ea1o ra t\u1eeb m\u1ed7i \u0111\u1ed3ng d\u1ef1 tr\u1eef.<\/p>\n

S\u1ef1 gia t\u0103ng t\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c h\u00e0m \u00fd c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i d\u1ef1 tr\u1eef nhi\u1ec1u h\u01a1n, do \u0111\u00f3 cho vay \u00edt h\u01a1n t\u1eeb m\u1ed7i \u0111\u1ed3ng m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng nh\u1eadn \u0111\u01b0\u1ee3c d\u01b0\u1edbi d\u1ea1ng ti\u1ec1n g\u1eedi. K\u1ebft qu\u1ea3 l\u00e0, t\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng t\u0103ng l\u00ean, l\u00e0m gi\u1ea3m s\u1ed1 nh\u00e2n ti\u1ec1n v\u00e0 l\u00e0m gi\u1ea3m cung.<\/p>\n

Nh\u1eefng c\u00e1ch thay \u0111\u1ed5i trong d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn cung \u1ee9ng ti\u1ec1n t\u1ec7 b\u1eb1ng c\u00e1ch g\u00e2y ra thay \u0111\u1ed5i s\u1ed1 nh\u00e2n ti\u1ec1n t\u1ec7.<\/p>\n

T\u1eeb c\u00f4ng th\u1ee9c<\/p>\n

mm<\/sub> = (1 +C\/D) \/ (rd<\/sub> +ER\/D +C\/D)<\/p>\n

Trong \u0111\u00f3:<\/p>\n

mm<\/sub>: s\u1ed1 nh\u00e2n ti\u1ec1n<\/p>\n

rd<\/sub>: t\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c<\/p>\n

C: ti\u1ec1n m\u1eb7t<\/p>\n

D: t\u1ed5ng ti\u1ec1n g\u1eedi c\u00f3 th\u1ec3 ph\u00e1t h\u00e0nh s\u00e9c<\/p>\n

ER: t\u1ed5ng s\u1ed1 ti\u1ec1n d\u1ef1 tr\u1eef qu\u00e1 m\u1ee9c<\/p>\n

Ta th\u1ea5y mm<\/sub> t\u1ec9 l\u1ec7 ngh\u1ecbch v\u1edbi rd<\/sub>. N\u1ebfu rd <\/sub>gi\u1ea3m th\u00ec mm<\/sub> s\u1ebd t\u0103ng, MB kh\u00f4ng \u0111\u1ed5i d\u1eabn \u0111\u1ebfn MS t\u0103ng v\u00e0 ng\u01b0\u1ee3c l\u1ea1i, c\u1ee5 th\u1ec3:<\/p>\n

rd<\/sub>\u2193\u2192mm<\/sub> \u2191\u2192MS \u2191<\/p>\n

Trong \u0111\u00f3:<\/p>\n

MS: m\u1ee9c cung ti\u1ec1n<\/p>\n

MB: l\u01b0\u1ee3ng ti\u1ec1n c\u01a1 s\u1edf (l\u01b0\u1ee3ng ti\u1ec1n m\u1ea1nh)<\/p>\n

Ho\u1eb7c c\u00f3 th\u1ec3 x\u00e9t tr\u00ean m\u1ed9t g\u00f3c \u0111\u1ed9 kh\u00e1c: khi gi\u1ea3m rd<\/sub> th\u00ec t\u1ec9 l\u1ec7 cho vay c\u1ee7a ng\u00e2n h\u00e0ng t\u0103ng l\u00ean. T\u1eeb kho\u1ea3n ti\u1ec1n cho vay t\u0103ng, c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi s\u1eed d\u1ee5ng s\u00e9c s\u1ebd t\u0103ng l\u00ean, t\u1ee9c l\u00e0 t\u0103ng ti\u1ec1n ng\u00e2n h\u00e0ng. Nh\u1edd v\u1eady m\u00e0 kh\u1ed1i l\u01b0\u1ee3ng ti\u1ec1n MS c\u0169ng t\u0103ng.<\/p>\n

C\u01a1 ch\u1ebf t\u00e1c \u0111\u1ed9ng:<\/p>\n

rd<\/sub>\u2193\u2192L\u2191\u2192D\u2191\u2192MS \u2191<\/p>\n

Trong \u0111\u00f3:<\/span><\/p>\n

L: Ti\u1ec1n cho vay<\/p>\n

D: C\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi c\u00f3 th\u1ec3 ph\u00e1t h\u00e0nh s\u00e9c<\/p>\n

Li\u00ean h\u1ec7 th\u1ef1c ti\u1ec5n<\/font><\/h3>\n

Nh\u00ecn chung c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng r\u1ea5t \u00edt khi thay \u0111\u1ed5i t\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c b\u1edfi v\u00ec s\u1ef1 thay \u0111\u1ed5i th\u01b0\u1eddng xuy\u00ean c\u00f3 th\u1ec3 l\u00e0m gi\u00e1n \u0111o\u1ea1n ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n

V\u00ed d\u1ee5 khi ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng t\u0103ng t\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng nh\u1eadn th\u1ea5y h\u1ecd b\u1ecb thi\u1ebfu h\u1ee5t d\u1ef1 tr\u1eef, m\u1eb7c d\u00f9 h\u1ecd kh\u00f4ng th\u1ea5y c\u00f3 s\u1ef1 bi\u1ebfn \u0111\u1ed9ng n\u00e0o trong ti\u1ec1n g\u1eedi.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o Gi\u00e1o tr\u00ecnh Kinh t\u1ebf h\u1ecdc, NXB \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf qu\u1ed1c d\u00e2n)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n T\u1ec9 l\u1ec7 d\u1ef1 tr\u1eef b\u1eaft bu\u1ed9c (ti\u1ebfng Anh: Required reserve ratio) l\u00e0 m\u1ed9t qui \u0111\u1ecbnh c\u1ee7a ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng v\u1ec1 t\u1ec9 l\u1ec7 gi\u1eefa ti\u1ec1n m\u1eb7t v\u00e0 ti\u1ec1n g\u1eedi m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i b\u1eaft bu\u1ed9c ph\u1ea3i tu\u00e2n th\u1ee7 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh thanh kho\u1ea3n.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[414],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27140"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=27140"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27140\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=27140"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=27140"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=27140"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}