1. What is the formula for calculating derivative deposits?

1. 1. The original deposit is 10 million yuan. 2. The statutory deposit reserve ratio is 63. The cash leakage rate is 154. The difference reserve ratio is 3. The total amount of deposits derived = 10000000/(6153)-10000000=3166666 yuan. 2. If the cash leakage rate is not considered, the total amount of derivative deposits = 10000000/(63)-10000000=101111111 yuan

2. What is derivative deposits?

Depositors deposit money into the bank. The bank will not spend all the large sums of money immediately, but will temporarily distribute a portion of the deposit as a deposit.

3. What is a deposit as a deposit?

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Customer A deposited 100 yuan. Assume the deposit reserve ratio is 15. The bank lends the customer b85 yuan. In fact, customer B still needs to deposit the money in the bank (regardless of whether he wants to use the money in the future), and the 85 yuan becomes B's deposit. Then the bank lent 85 of it to customer c, who had a deposit. . . 10085, 8585....are all derivative deposits.

IV. What is derived deposits

1. The ability of commercial banks to derive deposits is directly proportional to original deposits and inversely proportional to the statutory deposit reserve ratio. 2. Derived deposits refer to the deposits created by commercial banks by granting loans, purchasing securities, etc. After commercial banks receive original deposits, they will only keep part of them as cash reserves to meet withdrawals and deposits, and the rest can be used for lending and investment. Under the conditions of widespread use of non-cash settlement, customers who obtain bank loans or investment funds do not withdraw (or not all) cash, but transfer it to their bank deposit accounts. In this way, a new deposit is formed based on the original deposit. Commercial banks that accept this new deposit will retain part of it as reserves, and the rest can be used for lending and investment, thereby deriving deposits. If this process continues, a large amount of derivative deposits can be created. 1. The creation process of derivative deposits 1. Bank A absorbs deposits and withdraws part of the proportional reserves and then issues loans to customer A, forming a loan from customer A in bank A. Customer A uses the obtained loan to make transfer payments, resulting in an increase in the deposits of customer B of bank B. Bank B continues the previous process. The banking system can generate many times the deposit currency. 2. Derivative Deposit - is the symmetry of the original deposit and refers to the deposits derived from business activities such as commercial banks issuing loans, handling discounts or investments. The process of generating derivative deposits is the process in which commercial banks absorb deposits, issue loans, and form new deposits, which ultimately leads to an increase in the total amount of deposits in the banking system. 2. Derived deposit constraints Statutory deposit reserves refer to the demand deposits that financial institutions must deposit with the central bank according to the law. 3. Conditions for derivative deposits Original deposits, derivative deposits, and conditions created for derivative deposits. Original deposits refer to deposits that banks absorb in the form of cash and can increase their reserves. The creation of derivative deposits must meet three basic conditions: 1. Creation of credit circulation instruments 2. Partial reserve system 3. Non-cash settlement system