The banking system creates money in the sense that it creates______.A、loans from

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问题 The banking system creates money in the sense that it creates______.

选项 A、loans from required reserves
B、excess reserves from loans
C、loans from excess reserve
D、required reserves from loans

答案 C

解析答案为C项。在实行部分准备金制度的条件下，银行系统可利用超额准备金，通过其放款和投资等活动创造出数倍于原始存款的派生存款。根据央行规定的存款准备金比率缴足了法定准备金之后，是否保留超额准备金或者保留多少超额准备金，则完全可由银行自主决定。故本题选C项。

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