喺廿一世紀嘅經濟體裏面,銀行一般都會運用部份準備金(英文:fractional-reserve banking)嘅做法提升經濟體嘅貨幣供應。
噉講意思即係話,銀行喺得到啲人想儲入佢哋度嘅錢之後,會淨係留起一部份-以現金同市場流動性高嘅資產嘅型式-做儲備,等人用得到活期存款[1]。
唔係留嚟做儲備嗰啲錢,銀行就會攞嚟借俾人。噉做嘅話銀行可以靠啲人還錢嗰陣俾嘅利息嚟賺取利潤,而且對個經濟體嚟講,噉做會變相令個經濟體多咗錢流動,創造更多嘅經濟活動。
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