In a system of 100-percent-reserve banking, banks do not influence the supply of money.
The reserve banking system is a central banking system that is used to manage the money supply and interest rates in an economy. The reserve bank is the central bank of a country and is responsible for the monetary policy of the country. The reserve banking system was first developed in the United States in the early 1900s.
The reserve bank controls the money supply by setting the reserve requirements for banks and by conducting open market operations. The reserve bank also sets the interest rates on loans and controls the discount rate.
Hence, "Fourth" is the correct option.
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