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aug 1, 1825 - 英国发生世界近代史上最早经济危机市场萧条，银行惜贷，流动货币减少，萧条加剧英格兰银行成为商业银行的银行，对商业银行贷款，最后贷款人必须拥有唯一货币发行权完善央行职责：唯一货币发行权，稳定本国货币币值，最后贷款人

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