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.

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。

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Banks, simply because of fractional reserve lending, are vulnerable to bank runs.

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Since all forms of fractional-reserve lending are dependent on the perpetual creation of more and more credit that the system eventually can no longer sustain, it eventually collapses under its own weight.

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Thus the bank is holding only a fraction of deposits in reserves and is lending out the rest: fractional reserve banking which is what we call the system.

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