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小 發表於 2015-4-29 12:29 AM (第 3279 天)
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A, C and D make the bank to maintain its minimum reserve(the required reserve) level. But in B , the condition of actual reserve is higher than required reserve. As a result, an increase in demand of bank loan reduce the amount of excess reserve to satisfy the demand, thus the actual reserve ratio decrease.
To clarify, without any clear information stating the reserve condition of the bank, we should assume the reserve is in minimum reserve level where the excess amount of deposit will be in money creation. Only B says the demand of loan increase, and the only condition that the bank can lend more is: the bank has excess reserve.