Bank Paisa Kaise Create Karte Hain?
Hum sochte hain bank ek safe lock-up hai jahan hamara paisa rakha jata hai. Par haqeeqat mein, modern bank koi tijori nahi, balki ek 'Money Factory' hai.
Jab aap bank mein Rs 100 deposit karte hain, toh bank usay vault mein as it is nahi rakhta. Wo usme se sirf kuch hissa (reserve) rakhta hai aur baaki ka loan aage de deta hai. Is reserve banking ki wajah se bank original paise ko kai guna (multiply) kar sakta hai.
Lekin Modern banking mein completely ek naya magic hai. Aajkal jab bank kisi ko loan deta hai, toh wo kisi aur deposit holder ka paisa nikal kar nahi deta. Balki bank bas apne computer pe account mein numbers type karta hai, aur hawa se naya paisa (Digital Credit) 'paida' ho jata hai.
Bank of England ne khud official document mein tasleem kiya hai ke 97% naya paisa jo market mein ata hai, wo Central bank nahi chhapta, balki commercial banks tab create karte hain jab wo kisi aam aadmi ya company ko naya loan dete hain.
Sochiye: Agar aap khud computer pe numbers type karke gari kharid lein to wo fraud aur jail hai, par agar bank hawa se numbers type karke loan banaye aur uspar aapse interest le, toh wo 'Banking Business' kaise ban gaya?
Key Takeaway
Aaj ke daur mein paisa tab paida hota hai jab koi karz leta hai. Har naya loan economy mein naya paisa (money supply) daalta hai, jise 'Credit Creation' kehte hain.