The single bank can create money in non-monopoly market, but it's only a part of deposit creation system.

在非垄断市场上，单个银行虽然能够创造货币，但仅仅是整个存款货币创造链条的一个环节。

youdao

Deposit creation is a substance creation and a choice of people's assets. It represents the contribution to existent production and services.

存款货币的创造是一个实实在在的物质创造过程，是公众资产选择的一种形式，它代表了对现存社会产品和服务的贡献。

youdao

We can't revise primary deposit just in order to find a notion that includes all sources of deposit creation corresponding with derivative deposit.

不应为了找一个能够涵盖存款货币创造所有来源的概念与派生存款相对应，而随便改变原始存款的本来含义。

youdao

Before the creation of the FDIC, banks held as much as 25% capital against their assets, however with the creation of deposit insurance those ratios moved to approximately 6% and remained there until the recent crisis.

FORBES: Why More Bank Capital Won't Cure All The Economy's Ills

Two banks went bust in 1965, leading to calls for depositors to be made good by the government (which would then recover what it could from the liquidation of bank assets), for the introduction of deposit insurance and the creation of a government-backed industrial bank.

ECONOMIST: Hong Kong's economy

There were bankers who claimed the creation of federal deposit insurance would destroy the industry.

WHITEHOUSE: Moving Forward on a New Foundation