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An Essay on the General Principles and Present Practice of Banking, in England and Scotland

An Essay on the General Principles and Present Practice of Banking, in England and Scotland

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Описание
Excerpt from An Essay on the General Principles and Present Practice of Banking, in England and Scotland: With Supplementary Observations on the Steps Proper to Form a Public Bank, and the System on Which Its Accounts Ought to Be Kept

The following Pamphlet was first published in the latter end of January, or the beginning of February, 1822. It points out the superiority of the Scotch system of Banking by Joint Stock Companies, both to the public, and those engaged in them, over that of limited partnerships, which existed exclusively both in England and Ireland at that period, with the exception of the two National Banks, and examines and explains the causes of this superiority. It also points out the defects in the Scotch system, and suggests improvements which have been since adopted in Ireland; and recommends, that the clause in the Charter of the Bank of England, which then limited the number of partners in all other Banks to six, should be repealed, in order that Joint Stock Banking Companies may be established to remedy those evils which the exclusive system of Private Banking, produced by that clause, has inflicted upon the country; such information likewise, respecting the nature of these Joint Stock Companies, is given in it, as may induce prudent men to embark their money in them without fear of danger.

Before the publication of this Pamphlet, the public at large were totally unaware of the superiority of the Scotch system of Banking over that established in this country.

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