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Insolvent, it appeared that many actions of states could be Are realised only at a discount.

In parallel with occurrence of tendencies in advantage it a competition in a number

States there were local monopolies. From the beginning of XIX century establishment of banks in Indiana

(Indiana) and Illinois (Illinois), unless The staff government considered expedient bank education on base Own means, it has been put under an interdiction. Bank of Indiana (Bank of Indiana) and Bank Ohajo (Bank of Ohio), founded accordingly in 1834 and 1845

Were monopolies of states. Illinois has followed the lead of the New York system

Free bank business in 1851, and Indiana and Wisconsin (Wisconsin) Have made it a bit later. Improvements in bank business of America for 20 years preceding Civil

To war, were especially notable in east areas of the country. Though the bank

The system of that time at all was not made, the situation nevertheless was Much steadier than when that was before. An exception

Has made only the international crisis of 1857, when suspensions of the monetary

Payments have captured all America. to the government

Acceptance of any law was forbidden, during time Crisis of 1857 of the power have not dared at sale of the actions deposited

The banks which have stopped payments, Crisis has served also as the next proof

That punishment for a suspension of payments in the form of liquidation of banknotes was

Only it. Under the constitution of the State of New York 1846, on withdrawal from the reference of their banknotes. Courts

New York differentiated a so-called short-term suspension of payments and Actual insolvency., indirectly Authorising a suspension of monetary payments. Nevertheless and to straight lines it is rather possible, what is it improvement was not In some considerable degree it is connected with regulation system

References of banknotes states through deposition of bonds. In power practice

States, seemingly, became in due course more and more compliant in questions Observance of this law: to the staff Controller, as a rule, was enough To see that the bank has necessary actives at the order and is ready To show them for check in in advance planned day of its visit to bank. It Gave open space to system of frauds, by means of which same package Securities circulated on different banks, appearing in each of them in The appointed day. The law, thus, was inefficient. Has much better put Was regarding more rigid control over realisation of the interbank Payments as a result of a frequent exchange of banknotes; appreciably it was

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