JUNIPETRUS: Inak pre tu zabavu - znova som si dnes otvoril to pdf of The Bank of England a na prvej stranke v Overview (co som vcera preskocil) som nasiel nasledujuce veci:
Whenever a bank makes a loan, it simultaneously creates a matching deposit in the borrower’s bank account, thereby creating new money.
Although commercial banks create money through lending,
they cannot do so freely without limit. Banks are limited in how much they can lend if they are to remain profitable in a competitive banking system.
Monetary policy acts as the ultimate limit on money creation.
This article explains how, just as in normal times, these reserves cannot be multiplied into more loans and deposits and how these reserves do not represent
‘free money’ for banks.
Ale uznavam to, ze clanok je zaujimavy a niektore aspekty popisuje inak - zakladny princip ale ostava rovnaky.
Inak len tak pre zaujimavost - ak banky nepotrebuju vklady on ludi pre svoje fungovanie, preco su za vlozene peniaze ochotne platit urok? A preco je ten urok pri vlozeni na dlhu dobu (terminaky atd) vacsi nez na beznom ucte?