也称“引申存款”、“衍生存款”。银行吸取存款，存款人贷款后把使用后剩余贷款存入其银行账户，银行重新发放贷款获取增值的过程derivative deposit

• 上调存款准备金率后，派生存款能力也下降了。

  After the reserve requirement was adjusted upwards, derivative deposit capability declined.

• 我国货币供给还取决于商业银行贷款派生存款的能力。

  China's currency supply also hinges on the loan and derivative deposit abilities of commercial banks.