投资 · 创业者自述
塞缪尔·斯迈尔斯：节俭·摘录 300
塞缪尔·斯迈尔斯《节俭》· Thrift · 投资
But another capital feature in the working of Penny Banks, as regards the cultivation of prudent habits among the people, is the circumstance that the example of boys and girls depositing their spare weekly pennies, has often the effect of drawing their parents after them. A boy goes on for weeks paying his pence, and taking home his pass-book. The book shows that he has a "leger folio" at the bank expressly devoted to him--that his pennies are all duly entered, together with the respective dates of their deposits--that these savings are not lying idle, but bear interest at 2-1/2 per cent. per annum--and that he can have them restored to him at any time,--if under 20s., without notice; and it above 20s., then after a week's notice has been given.
出处：
https://www.gutenberg.org/ebooks/14418
定位：Excerpt 300 · 核对日期：2026-10-19 · 核验：短摘录
白话
便士银行培养谨慎习惯的另一个亮点是：男孩女孩每周存零钱，常常带动父母跟着存。一个男孩连续几周存钱，把存折带回家。存折显示他在银行有专门账户，每笔便士和日期都记清楚，存款不是闲置的，而是按年息二点五厘生息，而且随时可以取回——不到二十先令无需通知，超过则提前一周通知。这说明透明的记录和利息能让储蓄变得可见、可信、有吸引力。做法是：让储蓄账户简单透明，让家人看到钱在增长。
上下文
斯迈尔斯《节俭》描述便士银行的运作细节，包括存折、利息和取款规则，展示其如何吸引家庭参与。
今日一问
你的储蓄账户是否足够透明，能让家人看到每一笔增长并受到带动？
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