1. Banks can't print money. Paper money is printed and distributed by the People's Bank of China, but the People's Bank of China is not a bank, but an administrative institution, which is the political knowledge of middle schools;

2. The interest margin earned by banks is one of the channels for banks to make profits, which is completely different from printing money and issuing bonds.

3. Generally speaking, the state will issue new banknotes and enter the market through loans, that is, the central bank will lend them to commercial banks, and then commercial banks will lend them to enterprises or individuals;

4. Central bank bills are not issued to issue money, on the contrary, they are issued to tighten the money supply and reduce the money circulation. The central bank issues bills to pay interest to buyers, that is, commercial banks that buy bills, which requires a cost, so it is impossible for the central bank to regulate the market by issuing bills for a long time;

5. When the central bank issues bills, the creditor is the subscriber, that is, the commercial bank, not the central bank.

Alas, the problem is very confusing. Actually, I don't know what the question is really about. I suggest sorting out the knowledge first, and then asking more targeted questions.