Banking Reform in the United States a Series of Proposals Including a Central
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But this explanation is no longer even plausible. State banks and trust companies have steadily, and upon the whole deservedly, gained in prestige and public con- fidence. The discredit of a number of the latter in New York and elsewhere in 1907 served only momen- tarily to check their growth. Banking under state laws is certainly more profitable and is also apparently rendering a more complete and efficient service to the community than is possible under the national law. To meet this unsatisf...actory situation should be the first step in legislation, if it can be accomplished without sacrificing any real element of strength in the national banking system.
Most of the restrictions in the national banking law have to do with loans, reserves, or the issue of notes. Of these the restrictions upon loans are by far the most serious impediment in competing for business with state banks and trust companies. For the banks outside the large cities this is particularly true of the provision which forbids loans upon real estate as security.
What to read after Banking Reform in the United States a Series of Proposals Including a Central?
You can find similar books in the "Read Also" column, or choose other free books by Sprague, O. M. W. (Oliver Mitchell Wentworth), 1873-1953 to read onlineMoreLess
To quickly assess the difficulty of the text, read a short excerpt:
But this explanation is no longer even plausible. State banks and trust companies have steadily, and upon the whole deservedly, gained in prestige and public con- fidence. The discredit of a number of the latter in New York and elsewhere in 1907 served only momen- tarily to check their growth. Banking under state laws is certainly more profitable and is also apparently rendering a more complete and efficient service to the community than is possible under the national law. To meet this unsatisf...actory situation should be the first step in legislation, if it can be accomplished without sacrificing any real element of strength in the national banking system.
Most of the restrictions in the national banking law have to do with loans, reserves, or the issue of notes. Of these the restrictions upon loans are by far the most serious impediment in competing for business with state banks and trust companies. For the banks outside the large cities this is particularly true of the provision which forbids loans upon real estate as security.
What to read after Banking Reform in the United States a Series of Proposals Including a Central?
You can find similar books in the "Read Also" column, or choose other free books by Sprague, O. M. W. (Oliver Mitchell Wentworth), 1873-1953 to read onlineMoreLess
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