These 6 videos have been created and published by the Positive Money Campaign, UK: http://positivemoney.org

Part 1: Misconceptions Around Banking

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Before we discover how banks really work, and how money is created, first to clear up any confusion, we need to see what’s wrong about the way that most people think banks work.

 

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Most students and graduates get taught about something called the ‘money multiplier’. In this video we’ll show that it’s an inaccurate and outdated way of describing how the banking system works.

 

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See how commercial banks can create money through the accounting process they use when they make loans, how banks make payments between each other using specially created central bank money, if the Bank of England really can control how much money is in the economy …and more.

 

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What actually limits how much money the banks can create? Reserve ratios, Liquidity ratios, Capital Adequacy Ratios and/or the Basel accords? Explained in an easy to understand way.

 

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You might hear some people say that “Banks don’t create money – they just create credit”. This response often comes from civil servants and people trying to deny that banks now create the nation’s entire money supply. So let us show you why the numbers that banks create are money, and not just ‘credit’.

 

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Remember how new money is created when a bank makes a loan? Well, when someone repays the loan, the opposite process happens, and money is actually destroyed. It effectively disappears from the economy entirely. This video explains how.

 

These seven videos have been created and published by the Positive Money Campaign, UK: http://positivemoney.org

What is money?

We all use money, we all rely on money. But do we know how money works? Where does money come from?

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 Inequality: Why are the rich getting richer?

Why do the rich just get richer and richer? Could it be that it has something to do with the fact that we have to rent our entire money supply from the banks that create it?

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 Why is there so much Debt?

Individuals and families in the UK have a total of £1,170 billion of debt. But who did we borrow all this money from?

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House Prices – Why are they so high?

Thought it was because there’s too many people and not enough houses? This  video explains why house prices are really so high…

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10 Year Old Explains Where Money Comes From

Watch this to understand why  the government is trying to solve a debt crisis by encouraging people to borrow even more.

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Could these 3 simple changes to banking fix the economy?

More stable economy, with more jobs, less personal and government debt… This video explains how 3 simple changes to the way that money and banking works would make all this (and much more) possible.

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How to waste £375 billion

In the years following the financial crisis, the UK wasted £375bn on a failed scheme to stimulate the economy and end the recession. This was one of the biggest missed opportunities in history.

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