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Absence of freedom
As we saw, experience of Scotland serves as convincing argument in favour of correctness
Schools of free bank business. It it is impossible to tell about the American
Stories. Its example was resulted as argument by both parties of dispute;
However the American system as whole cannot serve as support for one
From them. It was the decentralised system characterised by absence
Freedom; it had not enough essential signs as centralised, and
Power division between the federal government and states has put
Bank sphere under the legislative control of both branches of the power. For America
Were from the very beginning characteristic aversion of the central authorities and
Jealous protection of the individual rights of states. Anyway, but need in
Means in days of War for independence nevertheless has forced the federal
The government to make the first steps in bank activity and to promote in
Creation of Bank of the North America (Bank of North America). During this period of all
Only the American industry, and shortage of the real arose
Economic necessity for banks has made exclusively difficult business
Attraction of the private capital. The state in these conditions has been compelled
To become the large shareholder of Bank. The bank divided burden of unpopularity of all
The central institutes of the power, and upon termination of war its charter-party has been recognised
Soon after that banks began to appear in the most developed states of the country,
Being, thus, within the limits of the legislative isolated from each other
Systems of different states. Right at the beginning a commonplace was to apply on
The charter-party, which acquisition would offer to bank of advantage of the limited
In most cases such charter-party contained articles limiting the cumulative
Passives of bank the huge sum, multiple to the capital of shareholders. [Most
Restriction of quantity released was a widespread rule
Banknotes two capitals of bank. However similar rules were, as a rule,
The nominal; the established borders always appeared unattainable. See
Gallatin "Considerations on the Currency and Banking System in the United
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