The West German government, which has learned a profound lesson from history, strives for insurance in monetary policy. After World War II, the West German government had almost no gold reserves. Until 195 1, the German Federal Central Bank, the predecessor of the German Central Bank, bought 500 kilograms of gold. Since then, West Germany has more and more gold reserves, and in 20 years, it has become the second largest gold reserve country in the world. In West Germany, the folk also set off a gold reserve upsurge, and its total amount even exceeded the national reserve. The government of Adenauer in West Germany believes that, on the one hand, gold reserves can build trust in China; On the other hand, when a crisis occurs, gold can be converted into foreign currency in the shortest time, which can resist the possible currency crisis.

However, Germans who were taken over by western allies and the Soviet Union after the war did not feel safe. West Germany, in particular, was very afraid of Soviet invasion at the height of the Cold War in 1950s and 1960s. Worried about the influx of Soviet tanks, the West German government finally decided to "store the gold as far west as possible and as far away from the Iron Curtain as possible".

During this period, West Germany accumulated a large amount of foreign trade surplus with Britain, France and the United States. It needs the military protection of these former occupying powers, which are short of money. So, West Germany provided some loans to Britain, France and the United States, and reached a "gentleman's agreement", that is, West Germany deposited gold in these countries. This can increase trust, and the "occupying power" can also misappropriate some privately when it is unable to turn around. After that, the West German government dispersed its gold reserves to the central banks of these countries.

It is also rewarding to fight for American protection of West Germany without learning from France. Just after World War II, the United States implemented the Marshall Plan with great strength to help West Germany restore its economic system on the verge of collapse. By participating in the Organization for Economic Cooperation and Development, West Germany obtained various forms of assistance from the United States, including funds, technology and equipment.