Since the 19th Century, there has been an accepted distinction between financial systems that separate commercial and investment banking and those that do not. This comprehensive collection aims to establish how and why financial systems develop, and howknowledge of financial differentiation in the 19th Century may afford insight into the development of contemporary banking structure. This book poses a systematic challenge to Alexander Gerschenkron's 1950s thesis on universal banks. With contributions from leading scholars such as Ranald Michie and Jaime Reis, this well written book provides solid and intriguing arguments throughout.

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