Answer :
The correct option is A. Presently a major deterrent to bank panics in the United States is the fractional reserve system.
Fractional reserve banking carries the possibility of bank panics, but these events are infrequent when banks are tightly regulated and make responsible loans. When depositors attempt to withdraw their money from the bank or convert their deposits into cash, a bank panic situation arises. Banks will need to have bigger reserves and commercial banks should constantly be maintained under regulation in order to avert this kind of collapse.
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