而且，银行准备金的增加并不一定伴随着基于规定的准备金与存款比例的理论潜力的货币的增加。
Moreover, a given increase in bank reserves is not necessarily accompanied byan expansion in money equal to the theoretical potential based on the requiredratio of reserves to deposits.
理论上讲，存款保险制度改变了存款人和银行面临的激励约束，一方面消除了恐慌性银行挤兑，隔绝了危机在银行间的传染；
Theoretically, deposit insurance changes incentive restrictions faced by the depositors. On one hand, it eliminates the panic bank runs, so as to isolate the infectivity of bank crisis.
采用动态规划理论讨论了最优存款的方法。根据这些讨论制定出决策流程和决策表，使得操作更为便捷。
Techniques of deposit are discussed by applying theory of dynamic programming. From this, the decision processes and the decision table are given for easy operating.
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