存款乘数和货币总量乘数,二者的本质都是部分准备制度;
Money multiplier has two basic types: multiplier of deposit and multiplier of money supply. Both of them base on fractional reserve system .
众所周知,银行采用部分准备金制度,这意味着银行家可以使用存款进行借贷活动,但是这些贷款却只有部分得到了真正货币储备的担保。
It is well known that Banks engage in fractional-reserve lending, meaning that bankers use their deposits in lending operations, with only a part of their loans covered by money reserves.
我们也应该十分清楚所谓“部分准备金仓储制度”不过是对欺诈和侵占行为的一种委婉说法。
It should also be clear that "fractional-reserve warehousing" is only a euphemism for fraud and embezzlement.
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。
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
What we have--we have a problem that there can be a systemic problem to fractional reserve banking if there is ever a run on the banking system.
我们面临着一个问题,如果出现银行挤兑,部分准备金制度会,导致系统性的问题
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