投资 · 创业者自述
塞缪尔·斯迈尔斯：节俭·摘录 265
塞缪尔·斯迈尔斯《节俭》· Thrift · 投资
The first savings bank was started by Miss Priscilla Wakefield, in the parish of Tottenham, Middlesex, towards the close of last century,--her object being mainly to stimulate the frugality of poor children. The experiment proved so successful that in 1799 the Rev. Joseph Smith, of Wendon, commenced a plan of receiving small sums from his parishioners during summer, and returning them at Christmas, with the addition of one-third as a stimulus to prudence and forethought. Miss Wakefield, in her turn, followed Mr. Smith's example, and in 1804 extended the plan of her charitable bank, so as to include adult labourers, female servants, and others. A similar institution was formed at Bath, in 1808, by several ladies of that city; and about the same time Mr. Whitbread proposed to Parliament the formation of a national institution, "in the nature of a bank, for the use and advantage of the labouring classes alone;" but nothing came of his proposal.
出处：
https://www.gutenberg.org/ebooks/14418
定位：Excerpt 265 · 核对日期：2026-10-19 · 核验：短摘录
白话
储蓄银行最早是为穷孩子培养节俭而设的。十八世纪末，韦克菲尔德小姐在伦敦附近开办了第一家，后来史密斯牧师让教区居民夏天存小钱、圣诞节连本带三分之一的奖励返还，以此鼓励未雨绸缪。韦克菲尔德又效仿他，把计划扩大到成年劳工和女仆。1808年巴斯城的几位女士也办了类似机构，惠特布雷德先生还向议会提议建立专为劳动阶级服务的国家银行，但没下文。这说明：好的储蓄制度往往从民间小规模试验开始，靠奖励和便利吸引人参与，而不是靠强制或施舍。
上下文
塞缪尔·斯迈尔斯《节俭》一书，十九世纪英国，讲述储蓄银行制度的起源。
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