gpm2313Patricia,
My apologies for this delayed response to your questions. Yes, your questions are pertinent. All central banks create money and this money finds its way into many different sectors of the economy. Which sectors are affected in any specific time period and country are questions that can be answered only after detailed historical inquiry.
For an enhanced understanding of the process by which central banks create money in a fractional reserve banking system I would recommend Rothbard’s Mystery of Banking, especially chapters 6-11. A solid understanding of this process is necessary for obtaining a grasp of what is going on in the various sectors of the economy.
For answering questions related to the banking sector a good place to start would be David Stockman’s recent work – The Great Transformation.