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Excess reserves
In banking, excess reserves are bank reserves in excess of a reserve requirement set by a central bank. They are reserves of cash more than the required amounts.〔(American Heritage Dictionary of Business Terms, 2009 )〕
In the United States, bank reserves are held as FRB (Federal Reserve Bank) credit in FRB accounts; they are not separated into separate "minimum reserves" and "excess reserves" accounts. The total amount of FRB credit held in all FRB accounts, together with all currency and vault cash form the M0 monetary base. Holding excess reserves has an opportunity cost if higher risk-adjusted interest can be earned by putting the funds elsewhere. For banks in the U.S. Federal Reserve System, this is accomplished by making short-term (usually overnight) loans on the federal funds market to banks who may be short of their reserve requirements. However, some banks may choose to hold their excess reserves in order to facilitate upcoming transactions or meet contractual clearing balance requirements.
== Interest on excess reserves ==
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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