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觀測點·聲解經濟
Chloe & Ethan
9 episodes
1 day ago
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Social Sciences
Science
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Social Sciences
Science
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信用是什麼?銀行如何用信用「憑空創造」97% 的貨幣|信用與貨幣創造
觀測點·聲解經濟
6 minutes
6 days ago
信用是什麼?銀行如何用信用「憑空創造」97% 的貨幣|信用與貨幣創造
你以為銀行只是把存款借出去?其實多數貨幣是在「你借錢的那一刻」由銀行透過信用直接創造。本集用「猴子想吃香蕉卻沒葉子」的比喻講清楚信用的本質,並引用英格蘭銀行的官方說法,說明為何現實世界其實是「貸款先於存款」,以及銀行、借款人與央行利率如何共同構成信用擴張的煞車。
觀測點·聲解經濟