银行仍然对银行挤兑敏感，因为它们仍然有存款，所以这个系统还是比较脆弱的，因此，联邦储备金有一系列的法定准备金率。
Banks still are vulnerable to bank runs because they still have deposits so the system is still vulnerable and therefore the Federal reserve has a set of reserve requirements.
所以，法定准备金率和银行的准备金额共同决定了货币创造的上限。 什么是银行准备金？
Thus, the legal reserve ratiotogether with the dollar amount of bank reserves are the factors that set theupper limit to money creation.
现在的法定准备金率%，在活期存款上是，所以它们被强迫持有这些准备金，并且一大部分是在联邦储备银行，存着的。
The reserve requirement now is 10% 10% on demand deposits so they're forced to keep those reserves and much of that is in the form of deposits at the Federal Reserve Banks.
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