You don't need fractional reserve banking to do this.

根本不需要这一制度。

And then we learned in fractional reserve banking that I can leverage up this amount of capital I have.

我们在银行部分准备金的知识中学到我可以把拥有的资本额杠杆化。

This is called fractional reserve banking – as each bank only keeps a fraction of its overall cash reserves for daily use.

这被称为“部分准备金银行制度”——因为每家银行只保留部分现金供日常使用。

The system is called fractional reserve banking and is used in most economies.

该系统称为部分准备金银行系统，在大多数经济体中使用。