TY  - JOUR 
AU  - Martínez Meseguer, César
PY  - 2026
SN  - 2190-8249
UR  - https://hdl.handle.net/20.500.12766/862
AB  - This article advances a law-and-economics critique of fractional-reserve banking, focusing on the legal taxonomy of bank contracts and the risk externalities of maturity transformation. We argue that the conflation of custody-like deposits with mutuum...
LA  - eng
PB  - Cambridge University Press
TI  - Deposit or loan? (A Law-and-Economics Critique of Fractional-Reserve Banking, Fiduciary Media, and Systemic Risk)
DO  - 10.1017/err.2026.10083
T2  - European Journal of Risk Regulation
KW  - Financial regulation
KW  - Fractional-reserve banking
KW  - Systemic risk
ER  -