No that is ignorance. Their is no such thing as a loanable funds market. I have studied this in depth and ad nauseum. Banks do not lend out savings. This was tr

No that is ignorance. Their is no such thing as a loanable funds market. I have studied this in depth and ad nauseum. Banks do not lend out savings. This was true in the era of the gold standard but is no longer the case with modern fiat money. Essentially, banks create money(deposits) out of thin air based upon rules and regulations they must follow. They have reserve requirements, however, these do not impede their ability to make loans/deposits because reserves may be borrowed.