Скачать или смотреть How Banks Actually Create Money (Without Printing It)

Most people believe money is created only by governments and central banks. In reality, commercial banks create most of the money in the economy — and they do it through lending.

In this calm, academic-style video, we explain how banks create money, why loans increase the money supply, and how this system works without banks physically printing cash. Using simple examples, you’ll learn how deposits, loans, and balance sheets interact behind the scenes.

This explanation is designed for beginners and avoids opinions, advice, or current events — focusing only on the core mechanics of modern banking.

Topics covered:
The difference between physical money and bank money
How lending creates new money
Why deposits grow when loans are issued
The role of reserves and central banks
Simple step-by-step examples

Part of the How It Really Works educational series.
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