1. statutory deposit reserve ratio: 35 billion/500 billion * 100%=7% excess deposit reserve ratio:1500 million/500 billion * 100%=3%.

2. The statutory deposit reserve ratio becomes 9%, the statutory deposit reserve ratio is 9% * 500 billion = 45 billion, and the excess deposit reserve ratio is 5 billion (the total reserve is 35 billion+1500 million = 50 billion). The excess deposit reserve ratio is 3%.

3. The statutory deposit reserve ratio is further increased to 1 1%, and the statutory deposit reserve requirement is11%* 500 billion = 55 billion. The original 50 billion deposit reserve is not enough, and at least 5 billion deposit reserve needs to be turned over.

What does the deposit reserve ratio mean?

The deposit reserve ratio is prepared by financial institutions to ensure the needs of customers to withdraw deposits and settle funds. It is the deposit deposited in the central bank, and the ratio of the deposit reserve required by the central bank to its total deposit is the deposit reserve ratio. The ratio of the deposit reserve required by the central bank to its total deposit is the deposit reserve ratio. By adjusting the deposit reserve ratio, the central bank can influence the credit expansion ability of financial institutions, thus indirectly regulating the money supply.

The process of the change of the deposit reserve ratio of commercial banks

1. Growth When the central bank raises the statutory reserve ratio, the ability of commercial banks to provide loans and create credit will decline. Because the reserve ratio increases, the money multiplier becomes smaller, which reduces the ability of the whole commercial banking system to create credit and expand the scale of credit. As a result, the monetary policy in society is tight, the money supply is reduced, interest rates are raised, and investment and social expenditure are correspondingly reduced. or vice versa, Dallas to the auditorium

2. System Under the deposit reserve system, financial institutions can't use all the deposits they absorb to issue loans, so they must reserve certain funds, that is, deposit reserve, in case customers need to withdraw money. Therefore, the deposit reserve system is conducive to ensuring the normal payment of financial institutions to customers. With the development of financial system, deposit reserve has gradually evolved into an important monetary policy tool. When the central bank reduces the deposit reserve ratio, the funds available for loans by financial institutions increase, and the total amount of loans and money supply in society also increase accordingly; On the contrary, the total amount of social loans and money supply will decrease accordingly. 3. The development of the central bank can affect the credit expansion ability of financial institutions by adjusting the deposit reserve ratio, thus indirectly regulating the money supply. The excess deposit reserve ratio refers to the ratio of the reserves retained by commercial banks that exceed the statutory deposit reserve to all current deposits. From a morphological point of view, excess reserves can be cash or highly liquid financial assets, such as reserve deposits in central bank accounts.

The deposit reserve ratio is a major way for the financial sector to adjust the current market economy. In particular, raising or lowering the deposit reserve ratio by the state can play a certain regulatory role in the market, but the relevant state departments should be responsible for handling the situation to avoid serious economic problems.