 rijarv avsaram emti ?
 rijarv avasaralu anede ooka vaanijya banku drava aastulalo kaligi vumdavalasina kaneesa mothanni nirnayinche central Banki nibandhanalu .  yea kanista mothanni ,  saadharanamga vaanijya banku rijarv ‌ gaaa suchistaru ,  saadharanamga banku yokka dippajit badhyathala yokka nirdishta nishpatthi aadhaaramga central Banki dwara nirnayinchabaduthundhi .  yea retunu saadharanamga rijarv reshiyogaa suchistaru .  nirvachanalu maaruthuu unnappatikee ,  vaanijya banku nilvalu saadharanamga banku oddha unna nagadunu kaligi untai mariyu boutikangaa Banki khajanalo  ( walt cash )  nilwa cheyabadathaai ,  alaage central Banki ‌ loo aa Banki khaataalo Banki balance mothanni kaligi untai .  yea kaneesa avasaraniki minchi rijarv mottaalanu unchukoovadaaniki Bankura swaechcha Pali ,  dheenini saadharanamga adanapu nilvalu ani pilustharu .

 rijarv ratio konnisarlu deesha dravya adhikaaram dwara dravya vidhaanamlo ooka saadhanamgaa upayoginchabadutundi ,  byankulu runaalu ichey mothanni parimitam cheeyadam ledha vistarinchadam dwara desam yokka dravya sarafharanu prabhaavitam chesthundu .  dravya adhikaarulu jagrataga pariseelinchina tarwata Bara rijarv avasaraanni penchutaru endhukante aakasmika maarpu takuva adanapu nilvalu unna bankulaku liquidity samasyalanu kaligisthundhi ;  varu saadharanamga thama dravya vidhanaanni amalu cheyadanki bahiranga maarket karyakalapalanu  ( prabhuthvam jaarii chosen baandlanu konugolu cheeyadam mariyu vikrayinchadam )  upayoginchadaaniki istapadatara .  uunited stetes mariyu anek itara deeshalaloo  ( brajil ,  chainaa ,  india ,  rashyaa minahaa ),  aardika marketlapai swalpakaalika antharaayam kaliginchae prabavam kaaranamgaa ooka desam yokka dravya vidhanaanni amalu cheyadamlo rijarv avasaralu saadharanamga tarachugaa maaravu .