Constraint on a deposit creation by the banking system

Economics
October 30, 2020
Business
October 30, 2020
  When external benefits are significant:
market output is too low.
social surplus is maximized.
market output is too high.
market output is at the efficient level.

All but which one of the following is a constraint on a deposit creation by the banking system ? Give 150 word minimum explanation on your answer.

A. Willingness of people to hold deposits

b. Willingness of banks to lend

c. Willingness of people to borrow

d. Government regulation

e. U.s. treasury gold reserves

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