Abstract
I. Significance of the question, 79.— The Bank of North America, 80.— The Bank of New York, 83.— Conditions which determined early credit policy, 84.— II. Bank expansion, 1784 to 1840, 85.— Growing demand for long term credit, 86.— Lengthening maturities, 88.— Short term credit orthodoxy, 90.— Dilemma of the banks, 92.— III. Free banking and long term credit, 95.— Forstall system of New Orleans and short term credit, 97.— Condition of the New Orleans banks, 98.— Success and influence of the New Orleans banks, 99.— IV. Change in credit function of banks, 1782 to 1840, 101.— Legislative influences, 102.— Economic influences, 102.

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