---
product_id: 216128999
title: "Where Does Money Come From?"
brand: "josh ryan-collinstony greenhamandrew jackson"
price: "181 Lei"
currency: RON
in_stock: true
reviews_count: 13
url: https://www.desertcart.ro/products/216128999-where-does-money-come-from
store_origin: RO
region: Romania
---

# Where Does Money Come From?

**Brand:** josh ryan-collinstony greenhamandrew jackson
**Price:** 181 Lei
**Availability:** ✅ In Stock

## Quick Answers

- **What is this?** Where Does Money Come From? by josh ryan-collinstony greenhamandrew jackson
- **How much does it cost?** 181 Lei with free shipping
- **Is it available?** Yes, in stock and ready to ship
- **Where can I buy it?** [www.desertcart.ro](https://www.desertcart.ro/products/216128999-where-does-money-come-from)

## Best For

- josh ryan-collinstony greenhamandrew jackson enthusiasts

## Why This Product

- Trusted josh ryan-collinstony greenhamandrew jackson brand quality
- Free international shipping included
- Worldwide delivery with tracking
- 15-day hassle-free returns

## Description

Where Does Money Come From?

## Images

![Where Does Money Come From? - Image 1](https://m.media-amazon.com/images/I/51lzlFAYQIL.jpg)
![Where Does Money Come From? - Image 2](https://m.media-amazon.com/images/I/41YVR-bxdZL.jpg)

## Customer Reviews

### ⭐⭐⭐⭐⭐ 







  
  
    Clearly explains how (surprisingly) money is created by private banks, not governments, and the problems that now arise
  

*by M***R on Reviewed in the United States on May 24, 2016*

This book should be required reading for politicians, policy makers - and economists, whose models still ignore banks and fail us. It clearly explains the surprising fact that it's private banks that create money, not governments or central banks. The only money the central bank can print is paper money which is now only a couple of per cent of the money supply. The book also puts to bed the widely-held myth that the source of bank loans is the deposits of savers. Far from it. Banks create credit by the simple and cost-free act of an entry in an electronic register.This, of course, is the opposite to how the general public - not to mention politicians, policy makers and economists - sees the money system working. In fact, it sounds so unlikely that it seems a little conspiratorial. But it's fact and this book, supported by sources including central banks themselves, helps us to understand this special right that private banks and their owners have been granted to produce credit "out of thin air".Given the enormous power, impact and financial advantage given by this right, most of us would expect that a government or its central bank would be able to closely supervise it. One of the most surprising and concerning facts this book highlights is just how limited the regulatory powers are over banks. It helps to explain how asset bubbles such as credit-fuelled housing inflation arise with increasing frequency, and how so little is done to prevent the inevitable crashes. The reality is that little can be done because regulatory powers are now so weak and the temptation by banks is so strong to expand credit, profits and bonuses. Nothing makes this clearer than the central role that non-productive housing inflation plays today in providing a home for this excess credit. It dwarfs commercial lending to the productive sector.The arcane world of banking is little understood. That needs to change among both the public and policy makers, so that we can start to mend the broken system. This clearly-written, thoroughly researched book will be an eye-opener for most people. Its role is to explain how things are, and provide wider context to show how the system arose, how similar issues were tackled in the past or, indeed, are tackled in the present by countries with saner banking systems. It doesn't offer a prescription for how to fix the dysfunctional finance system we now have, but it does show that the system we have isn't the only, or the best, way to manage this critical part of the economy. And it provides ample proof that combining self-management ("light-handed regulation") with this amazing right and temptation for excess, simply isn't working.

### ⭐⭐⭐⭐⭐ 







  
  
    A carefully-researched examination of how money is created by banks when extending credit
  

*by R***A on Reviewed in the United States on March 20, 2014*

How new money is created is widely misunderstood.  This book provides a well-researched, authoritative, and readable account of how the monetary system currently works in the United Kingdom, a description which in its general outline is applicable to the United States and to most other advanced economies in the world as well.  The authors' central conclusion is that almost all money in general circulation today (97%) is created by commercial banks when they extend credit, either through making loans or buying existing assets.This book's analysis is neither radical nor new.  The book Where Does Money Come From? was recently cited in the Quarterly Bulletin 2014 Q1 of the Bank of England's Monetary Analysis Directorate, and its central conclusion was corroborated.  If you are interested in finding out more about this, search for "bank of england" and "money in the modern economy" in your browser.This book is not a dogmatic prescription for the financial reform that seems to be so urgently required by the financial system as it exists today, but it presents a clear, factual account of how banking and money creation actually work at present.  It is not leisure reading for the simple-minded, but neither is it so technical that only a trained economist can understand it.  The understanding provided by this account could well serve as the background for meaningful discussion of needed economic reforms--and a welcome alternative to the ideological posturing that too often is passed off as analysis.

### ⭐⭐⭐⭐⭐ 







  
  
    Thank you Josh Ryan-Collins, et al  (especially  Richard Werner)
  

*by B***N on Reviewed in the United States on August 15, 2015*

The best condensed primer on what the financial structure consists of in terms of actual functionality instead of abstract theory which has proved to be misleading in the extreme.  Banks don't lend from funds collected from depositors.  They create money out of nothing.  Theory says this is what is called fractional reserve banking.  Nothing doing.  This is a deception.  That's what the financial system is.  An edifice constructed out of blind trust on the part of those who prefer ignorance on the one hand and those who on a daily basis take advantage of that trust to stuff their pockets with ill-gotten gain on the other.  Read all about it here.

---

## Why Shop on Desertcart?

- 🛒 **Trusted by 1.3+ Million Shoppers** — Serving international shoppers since 2016
- 🌍 **Shop Globally** — Access 737+ million products across 21 categories
- 💰 **No Hidden Fees** — All customs, duties, and taxes included in the price
- 🔄 **15-Day Free Returns** — Hassle-free returns (30 days for PRO members)
- 🔒 **Secure Payments** — Trusted payment options with buyer protection
- ⭐ **TrustPilot Rated 4.5/5** — Based on 8,000+ happy customer reviews

**Shop now:** [https://www.desertcart.ro/products/216128999-where-does-money-come-from](https://www.desertcart.ro/products/216128999-where-does-money-come-from)

---

*Product available on Desertcart Romania*
*Store origin: RO*
*Last updated: 2026-01-23*