They get it from people who open accounts.
Banks act as go-betweens for people who save and people who want to borrow. If savers didn’t put their money in banks, the banks would have little or no money to lend.
Your savings are combined with the savings of others to form a big pool of money, and the bank uses that money to make loans.
The money doesn’t belong to the bank’s president, board of directors, or stockholders. It belongs to you and the other depositors. That’s why bankers have a special obligation not to take big risks when they make loans.
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