Hep diyorum ya. Bu dediklerimi ilk diyen ben değilim. Keynes de demiş.

Şuradan bir alıntı.

https://archive.org/stream/in.ernet.dli.2015.45480/2015.45480.A-Treatise-On-Money--Vol1_djvu.txt

"But we shall be concerned in what follows with banks of the fully developed modern type existing as going concerns.

Such a bank creates claims against itself for the delivery of money, i.e. what, hereafter, we shall call Deposits, in two ways. In the first place it creates them in favour of individual depositors against value received in the shape either of cash or of an order  (i.e. a cheque) authorising the transfer of a deposit in some bank (either another bank or itself). A member of the public comes along with cash in his pocket or with a cheque drawn on a bank, which he hands in on the understanding that he is entitled in return to a claim to cash (i.e. a deposit) which he can either exercise or transfer to someone else. 

But there is a second way in which a bank may create a claim against itself. It may itself purchase assets, i.e. add to its investments, and pay for them, in the first instance at least, by establishing a claim against itself. Or the bank may create a claim against itself in favour of a borrower, in return for his promise of subsequent reimbursement; i.e. it may make loans or advances.

In both cases the bank creates the deposit; for only the bank itself can authorise the creation of a deposit in its books entitling the customer to draw cash or to transfer his claim to the order of someone else; and there is no difference between the two except in the nature of the inducement offered to the bank to create the deposit."