The idea of free (or laissez-faire) banking has enjoyed a
remarkable renaissance in recent years. It is a novel idea that
challenges much of what many banking scholars still take for
granted - that banking is inherently unstable, that the banking
system needs a lender of last resort or deposit insurance to defend
it in a crisis, and that the Government has to protect the value of
the currency. Against this free banking sets an argument which is
in essence very simple: if markets are generally better at
allocating resources than governments, then what is different about
money and the industry that provides it and why?;"Laissez-Faire
Banking" is divided into three inter-related sections, dealing with
the theory of free banking, historical experiences of it and
present-day monetary and banking reforms based on free banking
principles.
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