So, Banks are natural and fractional reserve banking is the natural thing to do.

所以银行的产生是很自然的，而部分准备金制度也是自然产生的。

youdao

100 percent reserve banking is the only system compatible with the general principles of the law of property rights.

100%准备金银行是唯一符合物权法基本准则的系统。

youdao

And since the whole point of fractional-reserve banking is not to have sufficient money to redeem the receipts, the Rothbard bank would quickly go under.

且既然整个部分准备金银行制度的意义就在于银行不需要有足够的储备金去兑现它的票据，因而罗斯巴德银行会很快破产倒闭。

youdao

International banking lawyer Ernie Patrikis, a former vice president of the Federal Reserve Bank of New York, explains why.

VOA: special.2010.09.17

The 1907 banking crisis then led finally to the creation of the system that we have now the Federal Reserve System.

907年的银行业危机最终导致,我们现有的系统的建立,联邦储备金系统。

耶鲁公开课 - 金融市场课程节选

That's a lot less than the amount of money out there but they always had fractional reserve of banking anyway.

这比流通的金钱少的多,但是他们总是有部分准备金银行制度。

耶鲁公开课 - 金融市场课程节选

Aiming to cut the levels of yuan in circulation, the People's Bank of China is increasing the banking reserve ratio by half a percentage point to 13.5%.

BBC: RELATED BBC SITES

As for banking, Napolitano calls for an end to fractional reserve banking, and a return to a 100 percent reserve system.

FORBES: Book Review: Judge Andrew Napolitano's "It Is Dangerous To Be Right When The Government Is Wrong"

It also means that Islamic banking needs to be full-reserve banking--Western banks typically loan out a multiple of the amount of money they have on hand, or in reserve.

FORBES: Magazine Article