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Possibilities to carry out of the obligations. Banks brought the contributions to fund,
Which means went on a covering of debts of insolvent banks in that measure,
In which the sum of obligations surpassed size of actives. Certainly, in
Frameworks of this system there was a tendency of subsidising of weak institutes for
The bill of strong and prudently operated banks. It amplified that
Circumstance that the sizes of insurance payments were defined not on a basis
Real risk of activity of this or that bank, and paid off simply as
Percent from its authorised capital stock. Other undesirable effect was
Easing of public control over activity of banks that provoked
Many of them to run risks larger issues. In 1841 - 1842 11 banks
From among entering into insurance fund were ruined, the fund has been devastated, and
Solvent banks had to increase payments. Besides, the future contributions
In fund cash desk means from which too have been pawned under new release,
Were used for fund replenishment. After bankruptcy of fund in 1842 it became
To serve as the tool of insurance of one only banknotes, without covering
More depositary sphere, but also in this quality it has appeared it is inefficient. The fund was
It is definitively closed in 1866
We saw that throughout the first 50 years of the development bank sphere
The United States, or, at least, its big part, has not been opened
For access to it of new banks. However, since 1838, in the politician of a number
States there were the changes which have made possible establishment of banks without charter-party.
The beginning of a new policy was marked by acceptance by the State of New York in 1838 so
The named Law on the Free Bank Mode (Free-Banking Law). In
Conformity with this law, to any person or association of people
The issue rights under condition of deposition at office were given
The controller (the Controller Comptroller - the higher financial official
The United States... - a comment of recentury) securities of a certain kind on
The issue sum.
For deposition any actions of the United States could be used and
The separate states, confirmed by the Controller. Some kinds here concerned
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