EPISODE · Dec 12, 2025 · 6 MIN
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
from 觀測點·聲解經濟 · host Chloe & Ethan
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。
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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
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This episode was published on December 12, 2025.
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