double entry分析non-bank lender进入市场银行BS变动(具体请看题，非常急

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求助，老师先给了一张没有 non-bank lender的 bank accounts的资产和负债表图，可能和常规的不一样，但大体是那么个东西

	Bank Accounts
Activity	Bank Assets		Bank Liabilities (Deposit Accounts)
	Reserves (BR)	Loans (FL)	Firms (FD)	Households (HD)	Banks (BD)
Compound Interest		+A
Deposit Interest			+B		-B
Wages			-C	+C
Deposit Interest				+D	-D
Consume			E+F	-E	-F
Pay Interest		-G (=-A)	-G		+G
Pay Debt	+H	-H	-H
Lend Reserves	-I	+I	+I

...额....说明也有点抽象，我从头贴一下，希望大家能帮忙下，最后要做一张图是non-bank lender进入后，所产生的另一张图或者是在原图上加两列，non-bank lender是从银行借钱，再以高利率贷款给household sector
下面是说明性的简略流程和一些解释 ，这边的字母有些只是代表，而且可能有一点点混乱，但具体在表格中的解释不怎么变
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关键词：Lender double ENTRY Bank Try 资产负债表 借贷 ENTRY double 非银行金融机构

Bank status allows it to create money “from nothing”•           ---Book-keeping action of
–                ---Making entry of $L in deposit account
–               ---And simultaneous $L entry in debt account
--Creates loan and money simultaneously


•
So system starts with Bank Sector making loan of $L to Firm Sector
–         --Two accounts needed:
•                 ----Money added to Deposit Account FD
•               -----Record of Debt kept in Loan Account FL FL
•              -----Amount of $L entered into both initially

Type of Account (Bank point of view)	Asset	Liability	Income
Name	Firm Loan	Firm Deposit	Bank Deposit
Symbol	FL	FD	BD
Flows between accounts
Compound Interest	A
Deposit Interest		+B	-B
Pay Interest	- C	-C	+C
Sum of flows	A-C	B-C	C-B

Loan contract gives bank right to compound debt at rate of interest on loans
Interest payment from bank to firm
Interest payment from firm to bank
Bank records payment of interest as reduction in outstanding debt

•
Firm pays interest to Bank at loan rate rL;
•
Bank pays interest to Firm at deposit rate rD;
•
So A is interest rate on debt (rL) times debt FL:
•
B is interest rate on deposits (rD) times deposit FD;
•
If firm pay all interest on debt, C is the same as A
–
(and debt FL therefore remains constant)

Type of Account	Asset	Liability	Income
Name	Firm Loan	Firm Deposit	Bank Deposit
Symbol	FL	FD	BD
Compound Interest	A=rL*FL
Deposit Interest		+B=rD*FD	-B
Pay Interest	- C=rL*FL	-C	+C
Sum of flows	0	rD*FD-rL*FL	rL*FL-rD*FD

•
So our basic model so far is that:
–
Rate of change of firm sector’s debt = zero
–
Rate of change of firm sector’s deposit account is interest payments on deposit minus interest payments on loan
•
rD.FD-rL.FL
–
Rate of change of bank sector’s income account is the opposite:
•
rL.FL-rD.FD.

然后Household进入
•
Need one more account for this:
–        ---- “Household Deposit” HD
–         ----Table now has 4 columns:
•
& 2 new activities
–         ----Workers paid wages
–         -----Consumption

Type of Account	Asset	Liability (Deposits by non-bank public)		Income
Name	Firm Loan	Firms	Households	Bank
Symbol	FL	FD	HD	BD
Compound Interest	A
Deposit Interest		+B		-B
Pay Interest	-A	-A		+A
Pay Wages		-C	+C
Interest on HH			+D	-D
Consume		E+F	-E	-F
Sum of flows	0	B+E+F-(A+C)	C+D-E	A-(B+D+F)

Bank accounts will stabilise if flows in equal flows out:

Type of Account	Asset	Liability		Income
Name	Firm Loan	Firms	Households	Bank
Symbol	FL	FD	HD	BD
Compound Interest	A
Deposit Interest		+B		-B
Pay Interest	-C(=-A)	-C		+C
Pay Wages		-D	+D
HH Interest			+E	-E
Consume		F+G	-F	-G
Sum of flows	0	B+F+G-(C+D)	D+E-F	C-(B+E+G)

•         Loans stable since repayments=compounding

•         Firm deposit stable if B+F+G=C+D

–         Deposit Interest + Sales = Loan Interest + Wages

•         Household deposit stable if D+E=F

–         Worker Consumption = Wages + Interest on HH Deposits

•         Bank deposit stable if C=B+E+G

–         Loan interest = Deposit Interest + Banker Consumption

•

Bank can also lend from its Reserves, so 2 more rows:

Type of Account	Asset		Liability		Income
Name	Bank Reserve	Firm Loan	Firms	Households	Bank
Symbol	BR	FL	FD	HD	BD
Compound Interest		A
Deposit Interest			+B		-B
Pay Interest		-C(=-A)	-C		+C
Pay Wages			-D	+D
HH Interest				+E	-E
Consume			F+G	-F	-G

图下面还有半张

Repay Debt	+H	-H	-H
Relend Reserves	-I	+I	+I
Sum of flows	H-I	I-H	…+I-H	…	…

•         System can be stable if

–         Repayment rate=Relending rate (H=I)

•         Simulating this

Monetary-production model is

–         This physical system

–         Coupled with previous monetary flows table

Type of Account	Asset		Liability		Income
Name	Bank Reserve	Firm Loan	Firms	Households	Bank
Symbol	BR	FL	FD	HD	BD
Compound Interest		A
Deposit Interest			+B		-B
Pay Interest		-C(=-A)	-C		+C
Pay Wages			-D	+D
HH Interest				+E	-E
Consume			F+G	-F	-G

长度不够，后半张图在下面

Repay Debt	+H	-H	-H
Relend Reserves	-I	+I	+I
Sum of flows	H-I	I-H	B+F+G+I-(C+D+H)	D+E-F	C-(B+E+G)

Easily incorporated by new row

–         Both debt and firm deposits grow by same amount:

Type of Account	Asset		Liability		Income
Name	Bank Reserve	Firm Loan	Firms	Households	Bank
Symbol	BR	FL	FD	HD	BD
Compound Interest		A
Deposit Interest			+B		-B
Pay Interest		-C(=-A)	-C		+C
Pay Wages			-D	+D
HH Interest				+E	-E
Consume			F+G	-F	-G

半张图在后面

Repay Debt	+H	-H	-H
Relend Reserves	-I	+I	+I
New Money		+J	+J
Sum of flows	H-I	I-H+J	B+F+G+I+J-(C+D+H)	D+E-F	C-(B+E+G)

•         Both assets and liabilities of banking sector expand…

中间还有一些计算什么的，另外假设的，就不贴了，太折磨人了...

希望有高手解救，就是non-bank lender进入后的图，然后介绍debts怎么exceeds deposits，最好有数字证明，随便举例假设数字好了