Central bank.
The central bank is responsible for on monetary policy to reduce inflation to maintain financial stability, including changes in interest rates. The aim is to protect the currency.
In some countries, the central banks to monitor and regulate the banking system and financial markets. The central bank also collect financial data and provide financial information to the client. In most countries, the central bank's pre-release print and put money into circulation. Central banks also participate in the disbursement checks and debit payments between banks.
Commercial banks have to keep the amount projected as a deposit Tru-making for most customers to withdraw money. If a bankrupt bank, it can affect the stability of the entire financial system. If depositors suspect that a bank is not safe, they can withdraw all the money out of the bank. If this situation occurs, the bank will use all of its cash reserves and bank liquidity will lose. Central banks do not always deliver as this can cause central banks face high risks.
The central bank manages the foreign currency and gold reserves of the country. The central bank may attempt to affect the exchange rate by intervening in currency markets and increase or decrease the rate by buying or selling currencies in order to balance the supply and demand.
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