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How Banks Create Money


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In this episode of Money Creation Explained, we are going to cover How Banks Create Money.

Banks control the flow of money in society by deciding which people, businesses, and institutions to lend money to. Banks impact people and communities in many ways which makes them very powerful in the structure of society.

Banks main method of money creation is in the forms of lending money to others. Using a 10% factorial rule, banks only need to have 10% of client’s funds on hand for when clients actually want those funds. This means the money that is represented in account holders online and paper statements is not real money, but merely the digital representation of the funds held in that account. The bank is actually creating new money supply in the economy by leveraging existing money to generate more loans which produce interest many times over from the same original funds being used. All the while, many banks pay close to no interest back to their account holders so they are essentially given free money to use to generate more money for their bank.

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