Original sentence: Some economists assert, because banks often have access to lines of credit and the money market and can use day time loans from central banks, that often there is no requirement for a pre-existing deposit, as specified by the relending model, before a bank can create a loan and have it paid to another bank
Edited sentence: However, in most industrialised countries, banks usually have access to lines of credit, and since the 1990's the central banks have pledged they will support the real time electronic settlement systems with day time loans, and most banks likely to have reserve insufficiencies by end of day, can then use the interbank market to clear their central bank and other liabilities by end of day.Therefore in practice, there is usually no requirement for a pre-existing deposit, as specified by the relending model, before a bank can create a loan and have it paid to another bank, so that the bank overcomes the asynchronous nature of loan and deposit creation across banks