无论第一阶段实际上银行存款流向其他银行，还是借贷方的所有支票或部分支票再次存入这些银行，在放大过程中都不会产生影响。
Whether Stage 1 banks actually do lose the depositsto other banks or whether any or all of the borrowers' checksare redeposited in these same banksmakes no difference in the expansion process.
防止过多的现金闲置在银行存款账户而不能产生收益。
Prevent unnecessarily large amounts of cash from sitting idle in bank accounts which produce no revenue.
本文从银行均衡的资本结构产生说起，接着说明了银行存款契约的内在缺陷，由此产生了担保制度。
This paper begins with balanced capital structure of bank, and then explains the intrinsic defect of bank deposit contract. The defect produces the assure system.
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