If commercial banks have ample excess reserves, a lower discount rate will______.

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问题 If commercial banks have ample excess reserves, a lower discount rate will______.

选项 A、encourage them to borrow more
B、encourage them to raise interest rates on loans
C、have little impact on bank behavior
D、increase bank reserves

答案C

解析答案为C项。降低再贴现率原意在降低商业银行向央行进行借款的成本，但由于本题中商业银行已经有巨大的超额储备金，本身已具备较强的放款能力，此时再贴现政策的实施对商业银行基本没有影响力。故本题选C项。

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FECT综合（现代金融业务）

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