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The same as it occurs in other spheres of business. Banknotes of any of banks

Do not remain in hands with those who in a status to obtain at this bank the credit and,

Thus, to use issue fruits. On the contrary, banknotes

Are paid to the third parties which directly have been not connected with given bank. Those,

Who at the moment of the announcement of insolvency of bank have misfortune to hold on

Hands of its banknote, incur losses. A considerable part of these banknotes, possibly,

There will be in those hands, who either on ignorance, or by the nature of the

The subordinated position not in a status to refuse to accept them. People, Possessing it the information or higher position in a society, for

That would not accept them in payment, suspect they of affairs of bank something wrong.

In other words, the society bears on itself burden of division of bills on good and

Bad, and especially heavy it appears for those who least

It is capable to bear it. The conclusion that for the sake of protection of the holder of banknotes from this follows

The state is obliged to interfere with issue process, having given it some The uniform form. On closer examination this conclusion is equivalent To the statement about necessity of uniform distribution of risk among all Holders of banknotes. Its acceptance or nonacceptance cannot be based on

The economic analysis, and we not in a status to resolve this problem with the help

Scientific approaches. Everything that we can make, it to draw the attention of the reader to

To assumptions of supporters of free system that risk distribution Can be reached only at the expense of increase in cumulative losses.

The second argument to which the greatest place was usually taken away, the argument is

About relative probability of occurrence of the inflation conducting to crisis and

Depressions. Supporters of the centralised system asserted that in conditions

Freedom of fluctuation of monetary weight and, thus, economic activities

In general, would appear much more considerably, than when the right to issue

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