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Certificates it was possible to support monetary payments. In 1873 this system was

It is used again, already by associations of clearing chambers, on the extreme

To measure, in seven chief towns. And, though this time and it was not possible to it completely

To avoid the termination of monetary payments, suspensions lasted rather Not for long - less than three weeks. During the subsequent crises credit certificates of clearing chambers Were used by associations almost in all big cities, but already without

Equalizings of reserves. This time banks and did not manage to reach the agreement about

Sharing of the reserves. However, scales of crises of 1884 and 1890 have appeared rather small, and banks managed to avoid a suspension Payments. However during crises of 1893 and 1907it. Use of the credit

Certificates without equalising of reserves almost at once has led to the termination


Release of certificates without equalising of reserves it has appeared pernicious for

Separate banks. Reserves of the bank receiving to execution the considerable Quantity of checks of other banks from clients who wished to remove cash, Appeared substantially are settled. Such bank quite could have Positive clearing balance with other banks (on what were Checks) are drawn and at the same time was unable receive from them any

Cash according to the agreement of clearing chamber. And this with the fact that

The last could have extremely high own cash reserve, As their own clients did not demand from them cash. Those banks,

On which considerable demand from outside publics or from outside has been directed

Peripheral banks, aspired to avoid the above described effect clearing Agreements. They tried to make so that clients showed checks for payment

Directly in those banks on which they have been written initially out, instead of

To bring these checks in the banks for their further clearing. Such Actions, however, had certain limits: banks, on which release Credit certificates made the most serious negative impact, Stopped payments; these facts provoked a panic in other banks, Which have been compelled to follow the lead subsequently of the first.

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