Macroeconomics

‭In‬ ‭summary,‬ ‭automatic‬ ‭stabilizers‬ ‭reduce‬ ‭the‬ ‭intensity‬ ‭of‬ ‭economic‬ ‭fluctuations‬ ‭but‬ ‭do‬ ‭not‬ ‭solve‬ ‭them‬ ‭.‬‭Fiscal and other economic policies are needed‬‭to solve economic fluctuations.‬ ‭F. The Reserve Market Model‬ ‭As‬‭explained‬‭in‬‭the‬‭previous‬‭chapter,‬ ‭central‬‭banks‬‭play‬‭a‬‭role‬‭in‬‭achieving‬‭macroeconomic‬‭objectives‬ ‭such‬ ‭as‬ ‭price‬ ‭stability‬ ‭and‬ ‭full‬ ‭employment‬ ‭using‬ ‭monetary‬ ‭policy‬ ‭.‬ ‭To‬ ‭understand‬ ‭the‬ ‭short-‬ ‭and‬ ‭long-run‬‭effects‬‭of‬‭monetary‬‭policy‬‭on‬‭the‬‭economy,‬‭we‬‭must‬‭frst‬‭understand‬‭how‬‭it‬‭works‬‭in‬‭different‬ ‭banking systems, including ones with limited and ample reserves.‬ ‭The‬ ‭table‬ ‭below‬ ‭is‬ ‭a‬ ‭recap‬ ‭of‬ ‭the‬ ‭differences‬ ‭in‬ ‭implementing‬ ‭monetary‬ ‭policy‬ ‭between‬ ‭the‬ ‭limited‬ ‭reserve and the ample reserve banking systems.‬

‭Table 2: Monetary Policy in Banking Systems with Limited vs. Ample Reserves‬ ‭In a Banking System with Limited Reserves:‬

‭In a Banking System with Ample Reserves:‬

‭●‬ ‭The central bank frequently manages the‬ ‭supply of reserves.‬ ‭●‬ ‭The amount of reserves is limited such‬ ‭that small changes in the supply of‬ ‭reserves influence the policy rate.‬ ‭●‬ ‭Quantity-based policy tools are used,‬ ‭meaning that the money supply is‬ ‭changed to affect interest rates.‬ ‭●‬ ‭Open market operations are the key‬ ‭policy tool used since they directly‬ ‭impact money supply.‬ ‭●‬ ‭The money multiplier is effective since it‬ ‭influences money supply.‬

‭●‬ ‭The Fed does not frequently manage‬ ‭reserves since their supply is usually‬ ‭more than needed (ample).‬ ‭●‬ ‭Reserves are large enough that small‬ ‭changes in their supply do not influence‬ ‭the interest rate.‬ ‭●‬ ‭Interest-rate based policy is used,‬ ‭meaning that the Fed directly influences‬ ‭the interest rates (through administered‬ ‭rates rather than money supply).‬ ‭●‬ ‭IOR is the key policy tool used to affect‬ ‭interests, whereas open market‬ ‭operations are only used occasionally to‬ ‭maintain suffcient reserves.‬ ‭●‬ ‭The money multiplier is ineffective since‬ ‭rr is no longer a tool and is equal to zero.‬

‭The Reserve Market Model Graph‬ ‭A‬ ‭reserve‬‭market‬‭model‬‭graph‬ ‭explains‬‭the‬‭market‬‭for‬‭reserves‬‭and‬‭the‬‭difference‬‭between‬‭limited‬‭and‬ ‭ample‬‭reserves.‬‭It‬‭plots‬‭the‬‭quantity‬‭of‬‭reserves‬‭that‬‭banks‬‭hold‬‭with‬‭the‬‭Fed‬‭on‬‭the‬‭horizontal‬‭axis,‬‭and‬ ‭the policy rate (the federal funds rate) on the vertical axis.‬

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