Hvernig verða peningar til? Staðreyndin er sú að allir peningar eru, á endanum, lán sem hefur verið veitt til einhvers aðila. Hvernig þessi lán verða til?
Á vefsíðu nef, new economics foundation, er stuttur pistill um peninga:
There are several conflicting ways of describing what banks do. The simplest version is that banks take in money from savers, and lend this money out to borrowers. This is not at all how the process works. Banks do not need to wait for a customer to deposit money before they can make a new loan to someone else. In fact, it is exactly the opposite; the making of a loan creates a new deposit in the customer’s account.
Meira hér.