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apr 14, 1735 - 英国金匠银行家黄金可以作为艺术品，也可是货币，商人把黄金给金匠托管金匠放贷，第一个放贷者在金库中预留黄金来应对兑换，剩下的通过放贷收息，部分准备金体系通过存款与借贷，银行将货币转化为资本，吧闲置的钱收集起来，投向需要的企业/行业，加快经济

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