[Script Info] Title: [Events] Format: Layer, Start, End, Style, Name, MarginL, MarginR, MarginV, Effect, Text Dialogue: 0,0:00:00.12,0:00:03.79,Default,,0000,0000,0000,,A Multiplicação do Dinheiro Dialogue: 0,0:00:16.07,0:00:18.70,Default,,0000,0000,0000,,Agora que já sabemos como\Ndefinir a moeda, Dialogue: 0,0:00:18.70,0:00:22.88,Default,,0000,0000,0000,,vejamos como os bancos podem\Ninfluir na oferta monetária, Dialogue: 0,0:00:22.88,0:00:25.40,Default,,0000,0000,0000,,pelo sistema de reservas fracionárias. Dialogue: 0,0:00:25.88,0:00:28.47,Default,,0000,0000,0000,,Imagine que você se formou\Nna faculdade Dialogue: 0,0:00:28.47,0:00:31.98,Default,,0000,0000,0000,,e sua avó lhe dá $1000 em dinheiro, Dialogue: 0,0:00:31.98,0:00:37.14,Default,,0000,0000,0000,,que ela vem guardando debaixo do\Ncolchão desde os anos 1970. Dialogue: 0,0:00:37.14,0:00:40.35,Default,,0000,0000,0000,,Você deposita esse dinheiro na\Nsua conta corrente. Dialogue: 0,0:00:40.35,0:00:42.22,Default,,0000,0000,0000,,O que é que o banco faz com\No seu dinheiro? Dialogue: 0,0:00:42.61,0:00:45.45,Default,,0000,0000,0000,,Será que ele guarda no cofre,\Ncom o seu nome numa etiqueta? Dialogue: 0,0:00:45.80,0:00:46.82,Default,,0000,0000,0000,,Não. Dialogue: 0,0:00:47.25,0:00:52.29,Default,,0000,0000,0000,,Os bancos emprestam a maioria do dinheiro\Npara quem deseja tomar emprestado. Dialogue: 0,0:00:52.76,0:00:57.63,Default,,0000,0000,0000,,E só mantêm em reserva uma\Nfração do seu dinheiro, Dialogue: 0,0:00:57.63,0:01:00.40,Default,,0000,0000,0000,,disponível nos caixas automáticos, Dialogue: 0,0:01:00.40,0:01:02.68,Default,,0000,0000,0000,,ou para sacar na boca do caixa. Dialogue: 0,0:01:02.68,0:01:07.40,Default,,0000,0000,0000,,Por isso é que se chama de "sistema\Nde reservas fracionárias". Dialogue: 0,0:01:07.73,0:01:11.13,Default,,0000,0000,0000,,Assim, que fração eles\Nmantêm em reserva? Dialogue: 0,0:01:11.98,0:01:14.42,Default,,0000,0000,0000,,Bem, os bancos grandes nos\NEstados Unidos Dialogue: 0,0:01:14.42,0:01:20.12,Default,,0000,0000,0000,,precisam manter pelo menos $1 para\Ncada $10 depositados. Dialogue: 0,0:01:20.76,0:01:23.78,Default,,0000,0000,0000,,Ou, como dizemos, os bancos grandes Dialogue: 0,0:01:23.78,0:01:27.100,Default,,0000,0000,0000,,precisam ter uma reserva de \Npelo menos 10%. Dialogue: 0,0:01:27.100,0:01:31.58,Default,,0000,0000,0000,,Mas os bancos normalmente têm\Nreservas maiores, Dialogue: 0,0:01:31.58,0:01:34.94,Default,,0000,0000,0000,,dependendo da liquidez que desejem ter. Dialogue: 0,0:01:34.94,0:01:36.16,Default,,0000,0000,0000,,Se um banco teme Dialogue: 0,0:01:36.16,0:01:39.28,Default,,0000,0000,0000,,que seus clientes possam sacar\Nmuito dinheiro amanhã, Dialogue: 0,0:01:39.28,0:01:42.49,Default,,0000,0000,0000,,ou se os empréstimos deixaram\Nde ser muito lucrativos, Dialogue: 0,0:01:42.99,0:01:45.65,Default,,0000,0000,0000,,vão manter uma reserva maior. Dialogue: 0,0:01:45.87,0:01:49.18,Default,,0000,0000,0000,,Por isso, a fração pode ser\Nmaior que 10% Dialogue: 0,0:01:49.76,0:01:52.21,Default,,0000,0000,0000,,e pode mudar com o tempo. Dialogue: 0,0:01:52.21,0:01:54.50,Default,,0000,0000,0000,,Por causa da reserva fracionária, Dialogue: 0,0:01:54.50,0:01:58.19,Default,,0000,0000,0000,, Dialogue: 0,0:01:58.19,0:01:59.50,Default,,0000,0000,0000,, Dialogue: 0,0:01:59.50,0:02:04.33,Default,,0000,0000,0000,, Dialogue: 0,0:02:04.33,0:02:06.88,Default,,0000,0000,0000,, Dialogue: 0,0:02:07.34,0:02:12.83,Default,,0000,0000,0000,, Dialogue: 0,0:02:12.83,0:02:15.94,Default,,0000,0000,0000,, Dialogue: 0,0:02:16.56,0:02:21.99,Default,,0000,0000,0000,, Dialogue: 0,0:02:22.46,0:02:27.46,Default,,0000,0000,0000,, Dialogue: 0,0:02:27.46,0:02:31.86,Default,,0000,0000,0000,, Dialogue: 0,0:02:31.86,0:02:34.72,Default,,0000,0000,0000,, Dialogue: 0,0:02:35.29,0:02:36.97,Default,,0000,0000,0000,, Dialogue: 0,0:02:36.97,0:02:41.79,Default,,0000,0000,0000,, Dialogue: 0,0:02:41.79,0:02:46.99,Default,,0000,0000,0000,, Dialogue: 0,0:02:46.99,0:02:48.22,Default,,0000,0000,0000,, Dialogue: 0,0:02:49.08,0:02:54.00,Default,,0000,0000,0000,, Dialogue: 0,0:02:54.00,0:02:57.35,Default,,0000,0000,0000,, Dialogue: 0,0:02:57.35,0:02:59.05,Default,,0000,0000,0000,, Dialogue: 0,0:02:59.33,0:03:01.48,Default,,0000,0000,0000,, Dialogue: 0,0:03:01.95,0:03:04.61,Default,,0000,0000,0000,, Dialogue: 0,0:03:04.61,0:03:06.78,Default,,0000,0000,0000,, Dialogue: 0,0:03:06.78,0:03:08.28,Default,,0000,0000,0000,, Dialogue: 0,0:03:08.28,0:03:10.25,Default,,0000,0000,0000,, Dialogue: 0,0:03:10.43,0:03:13.97,Default,,0000,0000,0000,, Dialogue: 0,0:03:14.40,0:03:15.95,Default,,0000,0000,0000,, Dialogue: 0,0:03:15.95,0:03:19.12,Default,,0000,0000,0000,, Dialogue: 0,0:03:19.43,0:03:21.07,Default,,0000,0000,0000,, Dialogue: 0,0:03:21.07,0:03:24.62,Default,,0000,0000,0000,, Dialogue: 0,0:03:24.62,0:03:27.64,Default,,0000,0000,0000,, Dialogue: 0,0:03:28.15,0:03:30.27,Default,,0000,0000,0000,, Dialogue: 0,0:03:30.67,0:03:34.82,Default,,0000,0000,0000,, Dialogue: 0,0:03:34.82,0:03:37.00,Default,,0000,0000,0000,, Dialogue: 0,0:03:37.41,0:03:42.01,Default,,0000,0000,0000,, Dialogue: 0,0:03:42.30,0:03:47.62,Default,,0000,0000,0000,, Dialogue: 0,0:03:47.62,0:03:52.02,Default,,0000,0000,0000,, Dialogue: 0,0:03:52.02,0:03:55.72,Default,,0000,0000,0000,, Dialogue: 0,0:03:55.72,0:03:59.02,Default,,0000,0000,0000,, Dialogue: 0,0:03:59.02,0:04:02.01,Default,,0000,0000,0000,, Dialogue: 0,0:04:02.01,0:04:06.26,Default,,0000,0000,0000,, Dialogue: 0,0:04:06.26,0:04:07.91,Default,,0000,0000,0000,, Dialogue: 0,0:04:07.91,0:04:11.96,Default,,0000,0000,0000,, Dialogue: 0,0:04:11.96,0:04:15.68,Default,,0000,0000,0000,, Dialogue: 0,0:04:15.68,0:04:19.57,Default,,0000,0000,0000,, Dialogue: 0,0:04:19.57,0:04:22.37,Default,,0000,0000,0000,, Dialogue: 0,0:04:22.37,0:04:26.60,Default,,0000,0000,0000,, Dialogue: 0,0:04:26.60,0:04:28.21,Default,,0000,0000,0000,, Dialogue: 0,0:04:28.59,0:04:32.79,Default,,0000,0000,0000,, Dialogue: 0,0:04:32.79,0:04:34.76,Default,,0000,0000,0000,, Dialogue: 0,0:04:34.76,0:04:39.52,Default,,0000,0000,0000,, Dialogue: 0,0:04:39.52,0:04:44.60,Default,,0000,0000,0000,, Dialogue: 0,0:04:44.85,0:04:46.03,Default,,0000,0000,0000,, Dialogue: 0,0:04:46.03,0:04:48.84,Default,,0000,0000,0000,, Dialogue: 0,0:04:49.47,0:04:52.53,Default,,0000,0000,0000,, Dialogue: 0,0:04:52.53,0:04:54.100,Default,,0000,0000,0000,, Dialogue: 0,0:04:54.100,0:04:57.90,Default,,0000,0000,0000,, Dialogue: 0,0:04:57.90,0:05:02.01,Default,,0000,0000,0000,, Dialogue: 0,0:05:02.01,0:05:07.22,Default,,0000,0000,0000,, Dialogue: 0,0:05:07.22,0:05:09.59,Default,,0000,0000,0000,, Dialogue: 0,0:05:09.59,0:05:12.54,Default,,0000,0000,0000,, Dialogue: 0,0:05:13.18,0:05:14.25,Default,,0000,0000,0000,, Dialogue: 0,0:05:14.60,0:05:19.57,Default,,0000,0000,0000,, Dialogue: 0,0:05:19.94,0:05:21.74,Default,,0000,0000,0000,, Dialogue: 0,0:05:22.10,0:05:26.87,Default,,0000,0000,0000,, Dialogue: 0,0:05:26.87,0:05:28.61,Default,,0000,0000,0000,, Dialogue: 0,0:05:28.61,0:05:32.27,Default,,0000,0000,0000,, Dialogue: 0,0:05:32.27,0:05:36.100,Default,,0000,0000,0000,, Dialogue: 0,0:05:36.100,0:05:38.55,Default,,0000,0000,0000,, Dialogue: 0,0:05:39.07,0:05:41.90,Default,,0000,0000,0000,, Dialogue: 0,0:05:41.90,0:05:43.75,Default,,0000,0000,0000,, Dialogue: 0,0:05:43.75,0:05:46.87,Default,,0000,0000,0000,, Dialogue: 0,0:05:46.87,0:05:48.29,Default,,0000,0000,0000,, Dialogue: 0,0:05:48.29,0:05:51.57,Default,,0000,0000,0000,, Dialogue: 0,0:05:51.57,0:05:54.27,Default,,0000,0000,0000,, Dialogue: 0,0:05:54.27,0:05:55.81,Default,,0000,0000,0000,, Dialogue: 0,0:05:55.81,0:05:58.42,Default,,0000,0000,0000,, Dialogue: 0,0:05:58.88,0:06:01.23,Default,,0000,0000,0000,, Dialogue: 0,0:06:01.23,0:06:03.91,Default,,0000,0000,0000,, Dialogue: 0,0:06:04.31,0:06:06.55,Default,,0000,0000,0000,, Dialogue: 0,0:06:06.55,0:06:10.08,Default,,0000,0000,0000,, Dialogue: 0,0:06:10.08,0:06:13.85,Default,,0000,0000,0000,, Dialogue: 0,0:06:14.84,0:06:18.67,Default,,0000,0000,0000,, Dialogue: 0,0:06:18.67,0:06:22.08,Default,,0000,0000,0000,, Dialogue: 0,0:06:22.08,0:06:23.61,Default,,0000,0000,0000,, Dialogue: 0,0:06:23.96,0:06:25.28,Default,,0000,0000,0000,, Dialogue: 0,0:06:25.28,0:06:27.60,Default,,0000,0000,0000,, Dialogue: 0,0:06:27.60,0:06:30.65,Default,,0000,0000,0000,, Dialogue: 0,0:06:30.65,0:06:31.97,Default,,0000,0000,0000,, Dialogue: 0,0:06:33.42,0:06:35.50,Default,,0000,0000,0000,, Dialogue: 0,0:06:35.50,0:06:38.98,Default,,0000,0000,0000,, Dialogue: 0,0:06:38.98,0:06:41.12,Default,,0000,0000,0000,, Dialogue: 0,0:06:41.12,0:06:42.54,Default,,0000,0000,0000,, Dialogue: 0,0:06:44.40,0:06:45.40,Default,,0000,0000,0000,, Dialogue: 0,0:06:45.40,0:06:48.49,Default,,0000,0000,0000,, Dialogue: 0,0:06:48.75,0:06:51.27,Default,,0000,0000,0000,,