银行作为国民经济一个历史最悠久和最重要的部门,人们一直对它怀有一种矛盾的心理。一方面,它经营着国民经济的命脉——资金,牵一发而动全身,另一方面,它的许多做法长期以来备受诟病。早在1802年给美国财长的一封信中,托马斯·杰斐逊就说,“我相信银行机构较常备军队对我们的 As the oldest and most important department of the national economy, banks have always had a contradictory psychology. On the one hand, it runs the lifeblood of the national economy - capital, which leads the whole body. On the other hand, many of its practices have long been criticized. In a letter to the U.S. Treasury Secretary in 1802, Thomas Jefferson said, ”I believe the banking institutions are more prepared for us by the armies