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Our financial education videos

Our educational videos are a collection of useful resources to explain important financial concepts. 

Community groups, schools and organisations involved in financial literacy are welcome to post a link to these resources on their websites or Facebook pages.

Learn about important financial concepts

How does the Reserve Bank influence interest rates?

The Reserve Bank uses the Official Cash Rate (OCR) in two ways to influence the short-term interest rates your bank offers you.

3m 19s

Stress tests

Stress testing is a tool to assess how banks might cope with a severe economic downturn. This video explains how stress tests work and why the Reserve Bank of New Zealand uses them in its role as prudential regulator.

2m 00s

The OCR and how it works

We use the six-weekly Official Cash Rate (OCR) decision to dial up or down the cost of money, which affects our spending, saving and investing decisions. Learn how the OCR affects you.

3m 17s

What is the economy?

A short animated video about how the New Zealand economy works, who the main players are and the Reserve Bank's key role.

2m 22s

What is money?

A short animated video about how money works - its functions and the role the Reserve Bank plays in it.

4m 04s

Money creation in the modern economy

Ryland Thomas, author of 'Money creation in the modern economy', explains how money is created and the central bank's role in money creation.

5m 07s

Compound interest

A short presentation to explain the concept of compound interest, and how it affects your savings.

3m 11s

Making money flow: the MONIAC

Introducing pioneering New Zealand economist Bill Phillips' hydro-mechanical economic computer.

4m 37s

This is the only operational MONIAC in the southern hemisphere that we're aware of. 

What Bill Phillips did was so creative, lateral, and off-the-wall. 

It's one of the first macroeconomic computers. It was built in the 1940s. 

It is a computer, it's hydro-mechanical. It's a model of the macroeconomy, so the economy as a whole. 

Bill Phillips created one of the most extraordinary economic tools that was created in the mid twentieth century. 

This machine here is going to show how water flows around the economy or how money flows around the economy.

We have this income tank down here and it's water flowing up into the machine as income. Before the income reaches households, some of it is taxed and for the government this is income. Taxes flow down here as income to the government then the government decides how much it would like to spend.

The people who saw it could scarcely believe the achievement that here was this tremendous machine that laid out so simply and clearly all of the concepts and ideas of economics. 

If the government does not spend all its revenue then it will have a surplus and this is what this box here measures. 

The income that is after taxes, this is where it reaches the household and the households have a choice to make. They have to choose between how much they'd like to save and then what they don't save they consume. 

How much a household saves will save depends on the level of interest rate in the economy. When there's only a little bit of money in the economy like there is now there is very little water in here. This means interest rates are very high.

The principal purpose of the MONIAC was as a teaching tool. 

In this investment fund here which helps determine the level of interest rates, this will also determine how much investment firms undertake. So if we add these three components here up, this is our domestic part of the economy. So we've got government spending plus consumption plus investment and this adds up to domestic expenditure so the way all this water flows around. 

It was possible, for example, for somebody like Phillips to have one operating in front of the class.

What we're going to do now is we're going to do a scenario involving the central bank. The level of GDP down here is very high so the economy is running about hot. So what we're going to do now is we're going to drain money from the investment fund. This is tightening monetary policy. 

The MONIAC  really pioneered the field of economic forecasting.

When there's less money in this investment funds, we're going to see the level drop, which is just like seeing interest rates rise. Money is now more scarce. What you can see on this chart here is the interest rate is increasing. It is increasing rapidly.

As time went on the advent of digital computers made it possible to have mathematical models that were vastly more complex than the MONIAC.

These slides here show how households and firms react to changes in the interest rate. This bottom bit here shows how much the firm's cut their investment when interest rates increase. This one up here shows how much the household stop consuming when interest rates increase. Down here we will be importing a little less because our incomes are lower. Over on this chart over here this is GDP. There hasn't been much of an effect but this is something we would expect to see. The flows go around the economy and it continues having an impact for some time. This means it takes time before monetary policy has an impact on the economy which is what we see in the real world.

 

On the money

Risk, regulation and responsible choices

Head of Department Financial System Policy and Analysis, Toby Fiennes, explains how regulation helps to promote a sound and efficient financial system, and why everyone has a role to play.

3m 25s

Inflation — a thief in your wallet

Former Chief Economist, John McDermott, explains how inflation is measured and how it manifests itself in everyday life. He also explains the importance of maintaining price stability.

3m 43s

Speeches and lectures

Communication, understanding and credibility

Former Deputy Governor, Geoff Bascand, explains our approach to communication, and the importance of transparency and credibility.

3m 01s

The financial crisis: whodunnit?

A public lecture by Howard Davies, Director of the London School of Economics, introduced by Dr Alan Bollard held on 30 July 2009, Wellington, New Zealand.

20m 25s

How a unique man built a machine, drew a curve and helped world economics advance

The Bill Phillips lecture by Dr Alan Bollard, 16 July 2008.

1h 12m 10s

What we do

What we do

In this video we explain our purpose and the mahi we do on behalf of all New Zealanders.

1m 00s

Past, present, future: the Reserve Bank

An introduction to the history and role of the Reserve Bank of New Zealand as revealed in the displays in the Reserve Bank Museum & Education Centre, Wellington, New Zealand.

6m 46s

Global forces: Is New Zealand's economy safe from global shocks?

In this video we explore how global economic shocks impact New Zealand and how the Reserve Bank predicts and prepares for them.

1m 37s

Keeping banks healthy: How do we monitor the health of banks?

In this video we explain how the Reserve Bank monitors banks, ensuring they aren't over-exposed to risky debt, so they can stay strong and healthy.

1m 43s