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1890 it "has paid" again percent and has redeemed bonds. In 1893 The exchequer already was unable give any help.The exchequer itself has faced deficiency of resources and has been compelled to occupy at
Banks. In 1907 it managed to translate some sum in favour of banks, However means which the Exchequer really had, were rather Small as the lion's share of its free funds has been placed in Banks even before crisis. The exchequer, thus, carried out some of functions of the central
Bank, giving out to banks credits and carrying out the actions similar to operations on
The open market (purchase of securities). Casual enough character of this The help has forced reformers to demand from the state of more "scientific" Behaviour during crises. After all during such periods presence or absence
Available assets in treasury was a matter of luck. Existed, however, and another
Rather influential point of view which declared the help of Exchequer The negative factor as it gave stimulus for expansion. Banks, According to this point of view, foreknew that the state will help them in Case of occurrence of difficulties, also began expansion according to the To expectations. The positive program of bank reform was, besides, urged to create
The institute, capable to act in a role of the fiscal agent of the state see
Parker Willis, "The Federal Reserve System", Chapter 2, Book I. Exchequer
Possessed whole century of experience of storage of the means that in the own
Storehouses, in various banks, both national, and separate States, and with risk not to receive the means back in a case Insolvency of these banks. This experience dictated necessity
Defects of already tested approaches. In other countries necessary services of the such
Grades were given by the central bank. One more feature of the American system which reformers hoped
At last to liquidate, there was a dearness of reception of checks. The most part
The American banks, as a rule, demanded from clients of payment of some sum, Accompanying reception by banks of own checks and received the name "Exchange costs". Affirmed that this sum has been urged to cover Costs of payment for checks on considerable removal from bank, as for It the bank has been compelled or to move cash on the considerable Distance, or all time to keep them in readiness in any remote centre.
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