До кога монетарно сидро!!!???

In line 1 of the example shown in Table 1, a bank receives a deposit of 100 paper dollars and credits the depositor's interest-bearing account with 100 dollars. At this point the bank is maintaining 100% reserves of paper dollars against the interest-bearing account dollars it has issued. (We must remember that the depositor's $100 dollars were also created as an evidence of debt as on their face is stated, 'Federal Reserve Bank Note'. A bank note is always an evidence of debt and none may be in the hands of a depositor until someone has written a check for cash to a lending institution to obtain them. Book entries only enter the checking account system through the process of borrowing as described herein.) If the bank was required to keep 30% of its deposits in reserve it would then be able lend $70. The person who borrows this money would likely spend it and the money will likely end up as someone else's bank deposit. Line 3 shows the bank's balance sheet after the $70 is redeposited. Note that the bank can now lend another $49, because its total deposits have increased. Line 5 shows the bank's balance sheet after that additional $49 is redeposited into the bank. At this point the system has $219, which is more than twice the original $100 deposit. This process of lending and depositing money can repeat many times until reaching a theoretical maximum of $333 (1 divided by the reserve ratio of 30% times the original cash deposit). Even though banks seem to make money by re-lending the same money many times, they also must pay interest on a deposit before they can lend it. Thus, banks can only make money on the difference between the interest rate they charge on the loan and the interest rate they pay to depositors.