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KREDİ ÇARPANI
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KREDİ ÇARPANI
(Dictionary of Economics) :
Kaydi para mekanizmasının bankalara sağladığı olanakları belirten katsayı.Ödemelerin banknot kullanmaksızın sadece kaydi para ile yapıldığı ve mevduatın belirtilmeksizin plasmanlara bağlandığı bir sistemde, bankaların alabilecekleri kredi miktarını gösteren formül şudur:K = 1-r/r DD= Mevduatta meydana gelen artışr= Katşılık oranı K= Kredi tutarı1-r/1 0 Kredi çarpanıdır.Ödemelerin kısmen banknotla yapıldıı ve mevduatın belirtilmeksizin kredi olarak dağıtıldığı bir sistemde kredi miktarını gösteren formül;K = 1-7/r+r.Dr = Nakitle yapılan ödemelerin oranı.1-r/r+r1 = Kredi çarpanı(Ayrıca bk. Mevduat Çarpanı. Çarpan, Kredi Enflasyonu, Bankacılıkta Kliring, Kaydi Para, Walter Bagehot, Hartley Vithers).
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