Richard Werner (identified guest)
Economist and academic known for research on bank lending, credit creation, and monetary policy; author of widely cited work arguing that banks create money through lending and advocating credit directed to productive small firms.
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Apr 2, 2026 • 6min
“Banks Can Lend With 0%” - Banking System EXPOSED For Creating Fake Money & Asset Bubbles
Richard Werner, economist known for research on bank lending and money creation. He breaks down three lending types and how asset loans inflate property and financial bubbles. He links consumer credit to price inflation and champions targeted lending to small firms as the route to real growth. He also critiques reserve and intermediation models and suggests banks focused on business investment.
