If a customer deposits $ 00 with Bank A, after deducting the reserve as sets which government regulations require it to keep on hand (around 8 % on average in Taiwan) the bank can lend out over $ 90; after this money circulates through the market, it is deposited in another account in Bank B, and Bank B can again lend it out in the same proportion.
譬如甲銀行收了某位客戶的一百元存款，扣除政府規定的現金準備（台灣平均約為百分之八），它可以再貸出去九十多元；這筆錢在市場輾轉流通後又存入乙銀行的另一個戶頭；乙銀行再依同樣比例貸放出去… …。