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《货币的购买力》第五章第六节

时间:2017-12-06 18:49来源:未知 作者:一品梅 点击:
6 Lastly, the chief specific outside influences on the volume of deposits subject to check are: (1) The system of banking and the habits of the people in utilizing that system. (2) The habit of charging. 1. It goes without saying that a ban
§ 6
Lastly, the chief specific outside influences on the volume of deposits subject to check are:—
(1) The system of banking and the habits of the people in utilizing that system.
(2) The habit of charging.
最后,受检查存款的主要特定外部影响是:
(1)银行体系和人民利用该体系的习惯。
(2)收费的习惯。

1. It goes without saying that a banking system must be devised and developed before it can be used. The invention of banking has made deposit currency possible, and its adoption has undoubtedly led to a great increase in deposits and consequent rise of prices. Even in the last decade the extension in the United States of deposit banking has been an exceedingly powerful influence in that direction. In Europe deposit banking is still in its infancy.
不言而喻,银行系统必须设计和开发才能使用。 银行业的发明使存款货币成为可能,其采用无疑导致存款大幅增加,价格上涨。 即使在过去的十年里,美国存款业务的延伸在这个方向上也是非常强大的影响力。 在欧洲,存款银行业务仍处于起步阶段。

2. "Charging" is often a preliminary to payment by check, rather than by cash. If a customer did not have his obligations "charged," he would pay in money and not by check.61 The ultimate effect of this practice, therefore, is to increase the ratio of check payments to cash payments (E' to E) and the ratio of deposits to money carried (M' to M), and therefore to increase the amount of credit currency which a given quantity of money can sustain.This effect, the substitution of checks for cash payments, is probably by far the most important effect of "charging," and exerts a powerful influence toward raising prices.
“收费”通常是通过支票付款的初步方式,而不是现金。 如果客户没有“收费”的义务,他会用钱而不是支票付款.61因此,这种做法的最终效果是增加支票支付与现金支付的比率(E'到E), (M'到M)的存款与货币的比率,从而增加给定数量的货币能够维持的信用货币数量。这种作用,替代支票用于现金支付,可能是迄今为止最重要的 “收费”的效应,对提价产生强大的影响。 (责任编辑:一品梅)
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