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Old 15.01.2017., 19:51   #2119
Banke stvaraju novac iz ničega i to je sukus današnjeg monetarnog sustava frakcioniih rezervi.

" Proceeds of most bank loans are not in the form of currency. Banks typically make loans by accepting promissory notes in exchange for credits they make to the borrowers' deposit accounts.[17][18] Deposits created in this way are sometimes called derivative deposits and are part of the process of creation of money by commercial banks.[19] Issuing loan proceeds in the form of paper currency and current coins is considered to be a weakness in internal control.[20]"

https://en.m.wikipedia.org/wiki/Frac...eserve_banking
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