亚当·斯密：国富论·第IV篇第III章·第1116段

The person who, by making a deposit of bullion, obtains both a bank credit and a receipt, pays his bills of exchange as they become due, with his bank credit; and either sells or keeps his receipt, according as he judges that the price of bullion is likely to rise or to fall. The receipt and the bank credit seldom keep long together, and there is no occasion that they should. The person who has a receipt, and who wants to take out bullion, finds always plenty of bank credits, or bank money, to buy at the ordinary price, and the person who has bank money, and wants to take out bullion, finds receipts always in equal abundance.

出处： https://www.gutenberg.org/ebooks/3300
定位：Book IV, Chapter III, paragraph 1116 · 核对日期：2026-10-19 · 核验：逐字核对

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