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"A Brief History of Panics and Their Periodical Occurrence in the United States"


Despite these last helps it was easily seen how great must be the
disorder, to induce recourse to such methods. Never had they been
employed until now, which is proof enough of the enormity of the
situation, whose equilibrium, had been disturbed since 1887, the year in
which high prices in everything had been reached on the Stock Exchange.
To still further increase the joint responsibility of the members of the
clearing house, it was agreed that a committee should be charged with
receiving as collateral bills and securities in exchange for which
certificates of deposit bearing 3 per cent. were issued at the rate of
75 per cent. of the amounts deposited. This agreement being adopted, a
way to re-open the National Metropolitan Bank was sought. A selection
made from its collection of bills showed the securities it could pledge
for clearing-house certificates; and, its circulation being thus
re-established, it was enabled on May 15th to take part in settlements.
Upon the announcement of a syndicate composed of the banks and the
clearing house, things settled down; the general distrust diminished;
there was the necessity and wish to realize, but funds were lacking.


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