Adam Smith：The Wealth of Nations, Book IV, Chapter III, Paragraph 1124

What may be the amount of the treasure in the bank, is a question which has long employed the speculations of the curious. Nothing but conjecture can be offered concerning it. It is generally reckoned, that there are about 2000 people who keep accounts with the bank; and allowing them to have, one with another, the value of £1500 sterling lying upon their respective accounts (a very large allowance), the whole quantity of bank money, and consequently of treasure in the bank, will amount to about £3,000,000 sterling, or, at eleven guilders the pound sterling, 33,000,000 of guilders; a great sum, and sufficient to carry on a very extensive circulation, but vastly below the extravagant ideas which some people have formed of this treasure.

Source： https://www.gutenberg.org/ebooks/3300
Locator：Book IV, Chapter III, paragraph 1124 · Verified：2026-10-19 · Verification：Exact match

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