Today, I calculated the "M1 multiplier," i.e., the ratio of the amount
of checkable bank deposits and currency in circulation to the "high
powered money stock" (currency + bank reserves). This measures credit
creation by banks based on fiat money (money made by the Fed, with the
government's backing).

What's weird is that in December 2008 and January & February 2009,
this number has been less than one (0.98, 0.92, and 0.98). That's a
sign that commercial banks are refusing to lend. The increase from
January to February is a sign that there's a glimmer of financial
recovery.

-- 
Jim Devine / "Segui il tuo corso, e lascia dir le genti." (Go your own
way and let people talk.) -- Karl, paraphrasing Dante.
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