Demand for bank reserves
1. introduction
The initiative purpose for western countries to establish the deposit reserve system is not to be regarde英语论文网 【http://www.51lunwen.org】d as a monetary policy tool by the central bank, but as a guarantee for its commercial bank liquidity with the purpose to protect the security of customer deposits and avoid widespread liquidity crisis, mainly used for pay bank debt preparations in case commercial bank is bankrupt and failure to pay. However, from the beginning of 1930s in the mid - to late 1970s, with the use of central bank's rediscount tool, making the flow of commercial banks get support from the "lender of last resort". The function of statutory reserve for the prevention of bank bankruptcy and financial crisis has changed gradually . In some countries even no longer required banks to comply with certain bank reserve ratio. More often statutory reserve system is to be used to control bank credit expansion and money supply. But in recent years, as in western countries the central bank's monetary policy operation technology has improved steadily, deposit reserve system regulating the function of the money supply greatly weakened. In the West Bank gradually shift to the rate of operating for objectives, rely on the market mechanism for the operation of the distribution of reserves, statutory reserve role will be more focused on stability reserve demand, auxiliary control of the Central Bank interest rate level.
 the introduction of bank reserve
   This is the bank reserve in percentages. If a bank wants to offer loans, it normally uses money which has been deposited in savings accounts. 本文来自：英语论文网 【http://www.51lunwen.org】