投资 · 创业者自述
塞缪尔·斯迈尔斯：节俭·摘录 421
塞缪尔·斯迈尔斯《节俭》· Thrift · 投资
But although Mr. Akroyd has done so much as a master for the men and women employed by him, he has perhaps done still more as a public benefactor by establishing the Yorkshire Penny Bank for Savings. As early as the year 1852, Mr. Akroyd instituted a Savings Bank to enable his workpeople to deposit sums of from one penny upwards. The system was found to work so well, and to have such a beneficial effect in making people provident, that he conceived the idea of extending its operations throughout the West Riding of Yorkshire. Having obtained the co-operation of several influential gentlemen, the scheme was started in 1856, and an Act of Parliament was obtained for constituting the Yorkshire Penny Savings Bank as it now exists.
出处：
https://www.gutenberg.org/ebooks/14418
定位：Excerpt 421 · 核对日期：2026-10-19 · 核验：短摘录
白话
阿克罗伊德先生作为雇主，为他的员工做了很多；但他作为公共恩人，通过建立约克郡便士储蓄银行，或许贡献更大。早在1852年，他就设立了一个储蓄银行，让工人可以存入一便士起的小额存款。这套办法效果很好，能让人变得有远见，于是他想推广到整个约克郡西区。在获得几位有影响力人士的合作后，计划于1856年启动，并取得议会法案，成立了现在的约克郡便士储蓄银行。核心是：让穷人也能方便存小钱，从而培养节俭习惯，减少浪费和贫困。
上下文
塞缪尔·斯迈尔斯《节俭》一书中的例子，19世纪英国工业革命时期，工人收入低，缺乏储蓄渠道。
今日一问
你身边有没有方便的小额储蓄工具，能帮人养成存钱习惯？
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