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Technology Stocks : Semi Equipment Analysis
SOXX 288.52-0.3%Nov 14 4:00 PM EST
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To: FJB who wrote (71578)2/12/2016 6:12:15 PM
From: Gottfried  Read Replies (1) of 95420
 
FUBHO, if the bank deposits surplus money overnight with the Fed, they pay a fee. If instead they lend it to you, you pay them interest. So the bank has an incentive to lend it to you.

Can someone explain this to me? If banks are paid for deposits with NIRP, how does that work?
I don't know why a bank can't just keep the money that's not being loaned out in a vault
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