But it's not as simple in my view. Yes banks do lend out a portion but currently the reserve they have to keep have increased a lot in the last few years and th

But it's not as simple in my view. Yes banks do lend out a portion but currently the reserve they have to keep have increased a lot in the last few years and the flow is not very well distributed (in my view) to through the whole economy. I'd like to know if there are some analysis of this somewhere. My hypothesis is that certain sectors have seen drops how much money has been added through lending while others have seen increases.