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cover of episode How the Fed Distributes Billions of Dollars in Cash

How the Fed Distributes Billions of Dollars in Cash

2025/2/13
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Odd Lots
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Amy Alvarado
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Austan Goolsbee
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Mike Kepler
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Tracy Alloway
知名金融播客主播和分析师，专注于市场趋势和经济分析。
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Tracy Alloway: 作为Odd Lots的主持人,我很高兴能带领听众深入了解美联储的现金运作。我们通常关注美联储的货币政策,比如利率调整,但现金的实际管理同样重要。现金并非正在消失,它仍然在经济中扮演着关键角色,尤其是在电子支付受限的情况下。这次参观让我对现金的整个生命周期有了全新的认识,从印刷到流通,再到最终的处理和回收,每一个环节都充满了精密的运作和严格的安全措施。 Austan Goolsbee: 作为芝加哥联邦储备银行行长,我向大家介绍了美联储作为“银行的银行”所扮演的角色。我们不仅制定货币政策,还负责为银行提供实际的现金。银行可以像个人从ATM取款一样,从我们在美联储的账户中提取现金。同时,我们也接收银行多余的现金,经过处理后重新投入流通。整个过程就像一个循环,确保经济中有足够的现金供应。我希望通过这次参观,大家能更直观地了解美联储在现金管理方面的职责。 Mike Kepler: 我负责管理芝加哥和底特律地区的现金业务。虽然现在电子支付越来越普及,但现金仍然是重要的支付方式之一。在紧急情况下,比如自然灾害或停电时,现金的重要性更加凸显。而且,并非所有人都只使用电子支付,现金仍然是许多人的首选。数据显示,流通中的货币占GDP的比例仍然很高,这表明现金在经济中仍然具有重要的地位。 Amy Alvarado: 我是芝加哥联邦储备银行现金业务的副总裁。在我们的现金处理中心,安全是至关重要的。我们有严格的程序来接收、清点和处理现金,确保每一笔钱都得到妥善的管理。我们使用高速机器来清点和检查钞票的真伪和质量,不合格的钞票会被粉碎并回收利用。整个过程透明且高效,确保现金能够安全地流通到需要的银行和ATM机。

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We all know that the Federal Reserve tries to stabilize the economy by raising or cutting interest rates to balance inflation and unemployment. But the central bank’s mandate actually goes beyond monetary policy. The Fed is also responsible for reviewing and distributing billions of dollars in cash to banks all over the US. In this episode, we go deep inside the vaults of the Federal Reserve Bank of Chicago to see how physical money actually gets moved around. Chicago Fed President Austan Goolsbee is our guide for the tour, and you’ll hear how the central bank gets its cash, how it checks it for authenticity and condition, and how it gets currency to where it needs to be.Read more: Fed’s Goolsbee Sees Uncertainty Driving Shallower Rate-Cut Path)

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