| 模型 | 模型答案 | 正确答案 |
|---|---|---|
| 金声玉亮2.0 | C |
C |
| deepseekr1 | The reserve requirement is 20%, so the money multiplier is \( \frac{1}{0.2} = 5 \). The total increase in the money supply from a $1,000 deposit is \( 1,000 \times 5 = 5,000 \). However, the question asks specifically for the **new loans** created, which excludes the original deposit. Thus, the new loans total \( 5,000 - 1,000 = 4,000 \). This matches the sum of the geometric series of successive loans: \( 800 + 640 + 512 + \dots = 4,000 \). **Answer: C** |
C |
| gpto1 | C | C |
| GPT-4o | C. $4,000 | C |
| llama3.1-70B-Instruct | C |
C |
| llama3.1-405B-Instruct | C |
C |
| DeepSeek-Coder-V2 | C. $4,000 | C |
| Qwen2-72B-Instruct | C. $4,000 | C |
| baichuan4 | C. $4,000 | C |
| doubao | D. The money multiplier is 1 / reserve requirement = 1 / 0.2 = 5. So the amount of money created in new loans is the initial deposit times the money multiplier minus the initial deposit, which is $1000 * 5 - $1000 = $5000 - $1000 = $4000. | C |
| minimax | The answer is C. $4,000. Here's the explanation: When a commercial bank receives a deposit, it is required to keep a certain percentage of that deposit as reserves (in this case, 20 percent). The remaining amount can be lent out. This process of lending out the excess reserves and then those funds being redeposited and lent out again is known as the money multiplier effect. The money multiplier (m) can be calculated as 1 divided by the reserve requirement (rr). In this case: m = 1 / rr m = 1 / 0.20 m = 5 This means that for every dollar of reserves, the banking system can create $5 in new money through loans. If the initial deposit is $1,000, the total amount of money that can be created through the banking system is: Total money created = Initial deposit * Money multiplier Total money created = $1,000 * 5 Total money created = $5,000 However, this $5,000 includes the initial deposit. Since the question asks for the amount created in new loans, we need to subtract the initial deposit from the total: New loans = Total money created - Initial deposit New loans = $5,000 - $1,000 New loans = $4,000 Therefore, the correct answer is C. $4,000. |
C |
| kimi | C. $4,000 Explanation: The money multiplier formula is given by: \[ \text{Money Multiplier} = \frac{1}{\text{Reserve Requirement}} \] In this case, the reserve requirement is 20%, so the money multiplier is: \[ \text{Money Multiplier} = \frac{1}{0.20} = 5 \] This means that for every $1 of reserves, the banking system can create $5 in new loans. If a bank receives a deposit of $1000, it must keep $200 (20% of $1000) as reserves and can lend out the remaining $800. The $800 that is lent out becomes a deposit in another bank, which can lend out 80% of it, and so on. The total amount of money created in new loans is the initial deposit times the money multiplier: \[ \text{Total Money Created} = \text{Initial Deposit} \times \text{Money Multiplier} \] \[ \text{Total Money Created} = \$1000 \times 5 = \$5000 \] However, the question asks for the amount of money created in new loans, not the total money supply. Since the initial $1000 is not created but deposited, the correct answer is the amount that can be created through lending, which is $4000 (5 times the amount that can be lent out, which is $800). |
C |
| wenxinyiyan | D. $5,000 Explanation: The money multiplier formula is 1/r, where r is the reserve requirement ratio. In this case, r = 20% = 0.2. So, the money multiplier is 1/0.2 = 5. When a bank receives a deposit of $1000 and there are no excess reserves, the bank keeps $200 (20% of $1000) as required reserves and lends out the remaining $800. This $800, when deposited in another bank, leads to further lending and deposit creation. The initial deposit of $1000, multiplied by the money multiplier of 5, results in a total money creation of $5000. This includes the initial deposit and all the subsequent loans and deposits created in the banking system. |
C |
| zhipu | To determine how much money is created in new loans from all banks after a deposit of $1,000 with a reserve requirement of 20%, we need to use the money multiplier formula. The reserve requirement is 20%, meaning the reserve ratio (r) is 0.20. The money multiplier (MM) is calculated as: \[ \text{MM} = \frac{1}{\text{Reserve Ratio}} = \frac{1}{0.20} = 5 \] The total amount of money created through the lending process is: \[ \text{Total Money Created} = \text{Initial Deposit} \times \text{Money Multiplier} = \$1,000 \times 5 = \$5,000 \] Therefore, the correct answer is: D. $5,000 |
C |
| gpto1 | C | C |