Paper by Physicist modeling Fractional Reserve Banking
 

The paper is 62 pages long, I've browsed it, looks very interesting:

"Fractional Reserve Banking as Economic Parasitism"

http://129.3.20.41/eps/mac/papers/0203/0203005.pdf

Pages 3-6 have a well-written concise summary of the history of paper or fiat money.
Page 58-59 are brief comments on the bibliography.