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The recognition of similar deposits bank reserves has followed in National

The law on the Banks, resolved to ordinary banks to consider the deposits in the large

Banks at calculation of the minimum reserves. Certainly, it is impossible to assert that

At network systems money resources of bank branches, through the Head offices or branches in big cities, could not reach the market Loans poste restante. However that much narrower spectrum of possibilities The alternative investments, at the disposal of bank without branches, Forced it with it probability to resort to this concrete way Placings of money.

System of the banks which were not possessing branches with their practice of the secondary

Depositions, have shown the ability to distribution Panic moods - and as the moods generated by behaviour local Banks, and that arose in cities. First, within the limits of the similar

Systems to peripheral bank are much more difficult for receiving from external sources

Necessary money resources in a critical situation. Certainly, such bank could

To borrow means at other bank. However to agree about such credit

Much more difficultly than to organise transfer of a part of reserves of other branches of that

The bank. And after all possibility to get means when in Them is necessity, can stop trust loss to bank with

The parties of the public, threatening to outgrow in a panic which can at any moment

To be thrown on other banks. The One and only weak element in system with

Much smaller probability it is capable to affect all system as a whole, if at

Banks there is a possibility to open branch, than in that case, when banks Branches do not possess.

Secondly, the market of loans has poste restante appeared extremely vulnerable at

Scale removal of means from deposits. Especially obvious it became on Finishing stage of boom when such loans showed the least degree

Liquidities in comparison with other actives. Bitter experience has learnt the peripheral

Banks that in such situation the New York correspondents, as a rule, Experience difficulties with payments under deposits. Accordingly at Occurrence of the slightest signs of complications ordinary banks undertook

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