Hotz, R.. Considerations on Fractional Reserve Banking and Free-Banking. REVISTA PROCESOS DE MERCADO, [S. l.], v. 6, n. 2, p. 203–215, 2009. DOI: 10.52195/pm.v6i2.293. Disponível em: https://procesosdemercado.com/en/journal/2009/vol-6/num-2/considerations-on-fractional-reserve-banking-and-free-banking. Acesso em: 31 mar. 2026.