O que veremos neste artigo:
O sistema bancário de reserva fracionária
O vídeo sobre o sistema bancário de reserva fracionária aborda a questão de que apenas uma fração do dinheiro existente é tangível. O dinheiro em papel e moedas é gerenciado pelos bancos, que mantêm a confiança de seus clientes.
Fracionamento do dinheiro
Os clientes depositam seu dinheiro nos bancos por diferentes motivos. Alguns criam depósitos bancários, enquanto outros simplesmente mantêm o dinheiro em suas contas bancárias, usando o sistema para transações diárias. No entanto, a maior parte do dinheiro gerenciado pelos bancos não existe fisicamente. Suponhamos que o Banco A mantém 10% do dinheiro que gerencia em papel. Se poucos clientes pedirem dinheiro físico, o banco conseguirá atendê-los. No entanto, se um grande número de clientes fizer isso, o banco pode enfrentar problemas de insolvência, pois não terá a quantia necessária em moeda física.
O efeito cascata
Quando há rumores de que um banco está em dificuldades financeiras, ocorre uma corrida aos bancos, onde os depositantes retiram seu dinheiro com receio de uma possível falência. Este comportamento, como uma infecção, se espalha e afeta até mesmo bancos aparentemente saudáveis, pois a maior parte do dinheiro que gerenciam não é física. Esse cenário pode criar uma crise de confiança generalizada no sistema bancário.
Medidas de proteção
Alguns países, como os Estados Unidos e a União Europeia, garantem os depósitos bancários até certo valor para evitar crises de confiança. Além disso, governos e bancos centrais trabalham para manter a estabilidade financeira e a confiança do público no sistema bancário por meio de regulamentações e transparência.
Compreender como o sistema bancário de reserva fracionária funciona é essencial para perceber como ele pode afetar a confiança dos depositantes nos bancos. A transparência e a regulação adequada são fundamentais para garantir a estabilidade financeira e a confiança do público no sistema bancário.
Conclusão
Em resumo, as corridas bancárias podem resultar de uma crise de confiança devido à insuficiência de dinheiro físico para atender a retiradas em larga escala. A regulação, transparência e garantias de depósitos são elementos essenciais para a estabilidade do sistema bancário.
FAQ
O que é o sistema bancário de reserva fracionária?
É um sistema em que os bancos só mantêm uma fração dos depósitos em reserva, em vez de manter o valor total.
Como as corridas bancárias afetam os bancos?
Corridas bancárias afetam a confiança dos depositantes nos bancos e podem levar a problemas de insolvência.
Quais medidas os governos e bancos centrais podem tomar para evitar corridas bancárias?
Regulamentações, transparência e garantias de depósitos são ações essenciais para manter a estabilidade do sistema bancário.
Corridas bancárias são comuns em todo o mundo?
Embora não sejam frequentes, as corridas bancárias podem ocorrer em diferentes partes do mundo, afetando a confiança no sistema bancário.
Entender o sistema bancário de reserva fracionária e seus impactos é crucial para compreender a estabilidade financeira do sistema. Para mais informações, assista ao vídeo [aqui](https://www.youtube.com/watch?v=xa75BfmXQH4).
Not working so well in canada right now lol
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Im here from ameritown lol jk this reminds me of that tho
"Seemingly Healthy Banks"…
Bill gate own billions of dollars in land , all billionaire keep their money in properties , estates , land , art , gold , yup . They are all crocks . Or just build your own bank . Otherwise you only own imaginary money that can disappear any time 🙂 .
Every time I earn money, I go and get it and buy gold. It's not much, but it's honest work. It's MY money. MINE. Banks should not use it to turn it into debt paper. Banks only have 6% of the money they have in their accounts. If we would all get our money off the bank, we create a little bank run and remind them who is in charge 💕
Have some soon to be more devalued money.
If banks didn’t offer loans then then bank runs would not be a problem.
BANKS ARE ALL ENEMY TO THE PEOPLE!
Cash is freedom! If you use credit cards or debit you or the problem and are participating in the enslavement if humanity! YOUR ACTIONS EVIL!
The issue with bankruns is that you never know when one is actually happening in the moment. You just have to accept the bankrun rumor as fact, because no government would ever admit it officially. When it becomes known mainstream, it's too late and your money is "gone", or should I say indefinitely frozen.
Because of its rumor nature, we may never know if a bankrun almost occured or sizzled out in a given country.
That was the case in Canada back in 2022, where a bankrun almost occurred after bank accounts were frozen. Besides solvency, bad government policy could also trigger bankruns. There's no credible source to back this claim, but I noticed that the CDIC ran more ad campaigns in April reassuring Canadians that their money is safe in their bank account.
https://youtu.be/NI5KkX-nSz4
Shall I start running banks now as other teams need something to fall back on so they can hide behind them? When shall I start as I only have a pixel but you guys see the full picture. Thanks guys love you all.
regards
Stupid game
It's not that it's not physical, they just don't have the money. We can have a digital bank run
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Second😮 largest bank failure in US history today, Silicon Valley Bank. The long predicted crash begins…
The problem is when the money makes no sense not when the Bank fails….more specifically the failure to provide a correct POLICY RESPONSE and instead provide an absolutely INCORRECT policy response to the all too common problem of Bank failures…namely to A: FAIL TO RECOGNIZE THAT BANK FAILURES ARE COMMON then B: make the situation worse by demanding there be no Bank failures because of the failure to come to terms with Problem A.
I’m here after SVB news
I’m here because of Silicon Valley Bank (SVB) it defunct on March 10, 2023
2023 March 11. Silicon Valley Bank colapsed in 48h… without any "bank run". This bank, as probably many other banks, invest money in US bonds… now loose tons of money.
Who else is here after the collapse of SVB on 2023?
Fractional Banking, Stock Market, to include: Hedge Funds, Speculation and the Rothschilds, International Bank Of Settlements is the Spider or :parasite at the center of the web. This also includes the National Bank of almost every Nation are a part of this web.. Our own Federal Reserve is a privately owned branch of this. The Fed charges us interest on printing our own currency. They are a leech, sucking (Extracting) our wealth and provide NOTHING in return. This was signed in to law by the greatest Presidential TRAITOR (Woodrow Wilson) in history in December 11913, known as the Feel Reserve Act of 1914 and has NO expiration date. The Federal Reserve cannot be audited by the Federal government. We don't even know who is on the Board of Directors that is stealing our money for the last 108 years. ASK your Congressman/woman WHO holds the majority of our $$31T debt. It is THESE Parasites. If your representative says they don't know, they are LYING! The head of our Treasury(Yellen) was head of the Federal Reserve.
2023 in this mf
NOW explain how this is LEGAL….
do not run on banks …do not crash banks!!! or they will put global currency executive order 14067 in action !!!!!!!!!!
fear is the enemy
As I'm writing this SVB just failed and I had to search what the heck a bank run is and this video pops up. Plain, easy, simple thank you!
Philly chris gets another production right about the banks. Will his invasion prediction come true? https://www.youtube.com/live/vFisDlaoIJM?feature=share&t=2661
RIP SVB
The good old Goldsmith story, sold to the masses only to be robbed.
Video is too fast
Crypto is the way.
My penion goes to my bank of over 30 years. I will not drop my bank, for I live in Mexico now, but my money is where I earned it. USA
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So does that mean in some way its the opposite of inflation? Since physical money is a good unto itself if there is lack of it (the inability to print that many) to meet the demands of spending and if you technically do have it (just not physical) it will essentially tell you that you do have capital its just that you can't use it. Not to mention, businesses cant pay their employees. It has some similarities with deflation but quite different from it as well in that deflation is due to low demand in money spending and businesses earn less therefore laying off workers and when it comes to bank runs money spending is high but businesses lay off workers due to their wages being frozen.
Yeah …this is why i keep my balance as close to zero as possible 😂
It's interesting this is what happened and It's a Wonderful Life