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Suppose that the discount rate is currently 7%, the federal funds rate is 5%, and the interest on reserves is 3%. Also, the level of non-borrowed reserves is $26 and there are $0 of borrowed reserves.

a) Draw a diagram that accurately reflects the information provided above.
b) In the past there was talk about eliminating all reserve requirements. Show the effect of this on the diagram you drew in part a).
c) Based on the elimination of the reserve requirements, what would happen to...
i) the federal funds rate (UP/DOWN/STAY THE SAME)?
ii) the discount rate (UP/DOWN/STAY THE SAME)?
iii) non-borrowed reserves (UP/DOWN/STAY THE SAME)?
iv) total reserves (UP/DOWN/STAY THE SAME)?

User Jim Lamb
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1 Answer

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Final answer:

The diagram shows the non-borrowed and borrowed reserves. Eliminating reserve requirements would not have a direct impact on the federal funds rate, discount rate, non-borrowed reserves, or total reserves.

Step-by-step explanation:

a) Diagram:

To accurately reflect the information provided, draw a diagram with two layers. The first layer includes the non-borrowed reserves of $26, represented with an arrow pointing towards reserves. The arrow should be labeled with the value $26. The second layer includes the borrowed reserves of $0, represented with an arrow pointing towards reserves. The arrow should be labeled with the value $0.

b) Effect of eliminating reserve requirements:

If reserve requirements were eliminated, the diagram would change to show that there are no required reserves. The arrow representing non-borrowed reserves would remain the same, while the arrow representing borrowed reserves would be removed.

c) Impact of reserve requirement elimination:

i) The federal funds rate would likely stay the same. Reserve requirements do not directly affect the federal funds rate.

ii) The discount rate would likely stay the same. Changes in reserve requirements do not directly affect the discount rate.

iii) Non-borrowed reserves would likely stay the same because the elimination of reserve requirements would not directly impact them.

iv) Total reserves would likely stay the same because the elimination of reserve requirements would not directly impact them.

User Hamish
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