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System, should be delivered direct for repayment in Bank-emitter. Moreover, Saffolk Benk refused the introduction into it
Clearing agency to those banks, whose conscientiousness called though the slightest
Doubts. This system has led to desirable result - to reduction of scales
Circulation of provincial banks.
Besides, in 1843 a legislature of Massachusetts has passed the law,
Directed on stimulation of more frequent return of banknotes. He forbade
To banks to give out from the cash desk any banknotes, behind an exception
Own. The similar law has been accepted and in the State of Louisiana. Other states
Have established penalties in case of inability of bank to pay a banknote
Metallic currency under the first requirement. Penalties were raised or in shape
The proportional tax from the sum of not paid payments, or through it
To bank-infringer of a liability of infringement of charter-party. Last measure would be
It is most effective, if it applied consistently. In many states
Also have started to regulate a minimum of reserves legislatively. The most rigid
There were the specifications of Louisiana providing maintenance by banks monetary
Reserve at a rate of one third of the sum of the let out banknotes and deposits.
In other cases of effort have been directed not so much on prevention most
Superfluous issue it maintenance of reception of banknotes under the first requirement, how much
On a guarantee of protection of owners of banknotes in case of a suspension of payments in
Result of such superfluous issue. A number of states have entered into practice
Preliminary pledge of property of banks. The establishment double was other measure
Responsibility at which shareholders of bank were responsible its debt in limits
The sum equal to cost of actions belonging to them, after their deduction real
The contribution to the bank capital. The system became the most ambitious scheme
The New York Fund of Insurance (New York Safety-Fund) it is founded in 1829. It
There was a system of compulsory insurance of banks on a case of absence at those
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