Take a look on this article !!! http://www.thefallingdarkness.com/2014/05/01/prominent-economists-call-for-end-to-fractional-reserve-banking
So this research blog give good answers .... on a major emergency field !!!!
We don t think Fractional Rese"rve Banking will change ... in short terms, here we just want to offer and use another vision of money and banks .....
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