Is it possible for commercial banks to increase electronic money deposits privately to provide loans and profit from them? If not, what system is used to prevent it?
Let me answer that. Inflating is definitely not acceptable. The bank's system is very complex and highly interrelated. If you exaggerate, there will be something wrong with the report. Who saved it? The cashier made a deal? How much deposit is there in the outlet? The number of deposits in banks in the jurisdiction? Cash should be paid to the Ministry of Finance? How do branches report to PBOC? Wait, every link should be leveled, which is not a common trouble. If there is an omission in that link, all previous efforts will be wasted. What do you think the bank president will do? He will go to jail. In reality, bills and loans are generally used to realize virtual savings.