投资 · 创业者自述
塞缪尔·斯迈尔斯：节俭·摘录 316
塞缪尔·斯迈尔斯《节俭》· Thrift · 投资
The results of the Post Office Savings Banks Act have proved entirely satisfactory. The money-order offices have been largely extended. They are now about four thousand in number; consequently the facilities for saving have been nearly doubled since the banks were established. The number in the London district is now about four hundred and sixty, so that from any point in the thickly populated parts of the metropolis, a Savings Bank may be found within a distance of a few hundred yards. The number of the depositors at the end of 1873 amounted to more than a million and a half; while the amount of deposits reached over twenty-one millions sterling.[1] At the same time the amount deposited with the original Savings Banks remained about the same.
出处：
https://www.gutenberg.org/ebooks/14418
定位：Excerpt 316 · 核对日期：2026-10-19 · 核验：短摘录
白话
《邮政储蓄银行法》实施后，效果非常令人满意。汇款办公室大幅增加，现在大约有四千个，所以储蓄的便利程度几乎翻倍。仅伦敦地区就有约四百六十个，在人口稠密的地方，走几百码就能找到一家储蓄银行。到1873年底，存款人数超过一百五十万，存款总额超过两千一百万英镑。与此同时，原有储蓄银行的存款额基本保持不变。这说明，降低门槛、增加便利，能吸引大量原本不储蓄的人开始存钱，而不是把原有储户抢走。
上下文
斯迈尔斯在《节俭》中引用1873年的数据，说明邮政储蓄银行迅速扩张的成果。
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如果你想养成一个新习惯，能不能先降低它的门槛和距离？
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