«История сберегательных банков в Великобритании и Ирландии»

«До настоящего времени среди застрахованных лиц смертельных случаев не было».

Аннуитеты.

«С начала деятельности было получено 238 предложений на покупку аннуитетов; из них 4 были отклонены, 4 находятся на рассмотрении, а 230 были приняты. Из принятых предложений 150 были на покупку немедленных аннуитетов, сумма купленного аннуитета составила 3 430 фунтов, а покупная цена — 39 774 фунта. Из оставшихся 15 были на покупку путем немедленных платежей отложенных аннуитетов, сумма купленного отложенного аннуитета составила 232 фунта, а сумма уплаченной покупной цены — 1 543 фунта. Остальные 65 были на покупку отложенных аннуитетов путем ежегодных или более частых платежей, сумма в процессе покупки составила 1 368 фунтов, а сумма ежегодно выплачиваемой покупной цены — 759 фунтов. Из 238 потенциальных получателей аннуитета 103 были мужчинами и 129 женщинами. Остальные шесть предложений касались страхования совместных жизней мужчин и женщин.

«В то время как Закон о государственном страховании и аннуитетах рассматривался Законодательным органом, было высказано мнение, что общества взаимопомощи, которые обязались предоставлять в обмен на единовременный взнос пособия по болезни, старости и смерти, поступили бы хорошо, если бы договорились о передаче своих рисков по старости и смерти государству, уплатив, конечно, надлежащее вознаграждение, и ограничились бы только обязательствами, связанными с болезнью. Я недавно получил предложение от крупного общества взаимопомощи о передаче своих рисков по старости государству, и условия этого соглашения сейчас находятся на рассмотрении. Более того, мне сообщили, что другие предложения такого рода, вероятно, будут сделаны в ближайшее время.

«В целом, я могу завершить свои наблюдения по этому вопросу, заявив, что Схема, разработанная для ведения страхового и аннуитетного бизнеса, работала гладко и хорошо; что проверки, установленные для защиты государства, до сих пор оказывались достаточными для своей цели; что преимущества этой меры постепенно становятся известны классам, для блага которых она была разработана, и что, учитывая все обстоятельства дела, а также устойчивый и постоянный рост бизнеса, успех этой меры можно считать установленным».

Государственные аннуитеты и страхования, предоставленные в соответствии с Законом 27 и 28 Виктории, гл. 43.

Отчет, показывающий количество и сумму полученных и выплаченных средств, а также количество и сумму контрактов, предоставленных Генеральным почтмейстером Ее Величества в соответствии с полномочиями Закона 27 и 28 Виктории, гл. 43, с начала деятельности 17 апреля 1865 г. по 31 декабря 1865 г., вместе с количеством и суммой контрактов, действующих на 31 декабря 1865 г., и суммой, выплаченной за расходы на управление.

(I.)

Отчет, показывающий количество и сумму средств, полученных и выплаченных по счетам государственных аннуитетных и страховых контрактов с начала деятельности 17 апреля 1865 г. по 31 декабря 1865 г.

ReceiptsPayments

No.AmountNo.Amount

£ s d£ s d To Cash received for the purchase of Annuities, viz.:— By Cash paid to the Commissioners for the Reduction of the National Debt for Investment on Account of Sums received for the purchase of Annuities. 23,046 8 9 No.Amount

£ s d By Cash paid to Annuitants, viz.:— For Immediate Annuities8722,738 9 9 £ s d For Deferred Annuities, Money not returnable27 845 7 10Cash paid423 13 4 Ditto, Money returnable40497 7 6 15424,081 5 1

Warrants issued, but not cashed at date5 10 0 33429 8 4

To Cash received for Fees on Annuity Contracts

139 14 0 By Cash paid to the Commissioners for the Reduction of the National Debt for Investment on account of Premiums received on Contracts for Sums payable at Death 984 0 0 To Cash received from the Commissioners for the Reduction of the National Debt for payment to Annuitants:— By Balance remaining to be paid to the Commissioners for the Reduction of the National Debt on the 31st December, 1865, viz.:—

Gross£ s d

430 5 0 On account of Annuity Contracts, including Fees £ s d

1,174 10 4 Less Income Tax0 16 8 429 8 4 To Cash received on account of Contracts for the payment of Sums at Death 1,0761,165 13 1

On Account of Contracts for Sums payable at Death 181 13 11,356 3 5

£25,816 8 6 £25,816 6

(II.)

Отчет, показывающий количество и сумму контрактов, заключенных Генеральным почтмейстером Ее Величества с начала деятельности 17 апреля 1865 г. по 31 декабря 1865 г., и количество и сумму контрактов, действующих на 31 декабря 1865 г.

Contracts.

No.Amount.

Contracts for Annuities granted from the commencement of business on the 17th April, 1865, to the 31st of December, 1865, viz.:— £ s. d.

£ s. d. Immediate Annuities 872,100 0 0 Deferred Annuities, Money not returnable 20438 4 0 Deferred Annuities, Money returnable 25511 10 0 1323,049 14 0

Contracts for Sums payable at Death granted from the commencement of business on the 17th April, 1865, to the 31st December, 186554740,649 2 4 Contracts for Annuities in existence on the 31st December, 1865, viz.:—

£ s. d. Immediate Annuities 872,100 0 0 Deferred Annuities, Money not returnable 20436 4 0 Deferred Annuities, Money returnable 25511 10 0 1323,049 14 0

Contracts for Sums payable at Death in existence on the 31st December, 186554440,349 2 4

(III.)

Отчет, показывающий сумму, выплаченную за расходы на управление с начала деятельности 17 апреля 1865 г. по 31 декабря 1865 г.

£ s. d. Salaries of Officers159 0 10 Stamps on Policies32 10 0 Fees to Medical Officers13 7 6 Incidental disbursements, including Travelling Charges7 3 8 Postage123 4 5 £335 6 6

УКАЗАТЕЛЬ.

A.

Acknowledgement of deposits in Post Office Banks, 329-331.

Акты Парламента, касающиеся сберегательных банков, почтовых банков, государственных аннуитетов и т. д. См. Приложение.

Althorp, Lord, moves for a bill to grant Annuities through the medium of Saving Banks, 69;

replies to Mr. Attwood, 73.

Annuities, Government: first proposals for, 69; 347;

alteration of the law relating to, 152;

a new scheme is proposed in 1864, 348 et seq.;

Mr. Gladstone introduces a bill into Parliament concerning, 350;

is discussed and carried, 353-362;

regulations for working the measure, 362;

how to purchase, 372-4;

progress of the new measure of, 375-7.

Attwood, Mr. Thomas, M.P. opposes legislation for Savings Banks, 71;

speaks against Savings Banks, 72; 82.

Auchterarder Savings Bank, failure of the, 137;

particulars of this fraud, 193.

Auditors, Government proposals for, 146.

Australian Government Banks, 344.

Ayrton, Mr., M.P. on Savings Banks, 162;

assists in bringing in a bill to regulate Savings Banks, 179;

assists in bringing in the Consolidation Act, 182;

respecting his connexion with Government banks, 277;

strongly opposes the Post Office Bank Bill in Committee, 303;

presides at a working man's meeting in London in opposition to the Government Annuities Bill, 359;

opposes it in the House, 360.

B.

Baines, Mr. E., M.P. advocates Mr. Sikes's proposals for Post Office Banks, 286;

again, 301.

Bath, the Provident Institution of, origin of, 25.

Benefit Societies: compared with Savings Banks, 85; 86;

disadvantages of, 37;

unsound character of many of them, 353-5;

oppose the Government Annuities Bill, 354, 356;

on compulsory payment to, 391 note.

Bentham, Jeremy, proposes “Frugality Banks,” 271;

provisions of his scheme, 271—2.

Bentinck, Lord George, speaks on Savings Banks, 134.

Bilston Savings Bank, frauds in, 208 et seq.;

the Times on this fraud, 235.

Birmingham Savings Bank, 324.

Boodle, Mr., represents Savings Bank managers, 166;

again, 173;

gives evidence before the Committee of 1858, 173 note;

on systems of book-keeping, 261;

on confidence in trustee's names, 385 note.

Book-keeping, different systems of, 260;

difficulty of effecting changes in systems of, 261.

Branch Banks, not in favour with Savings Bank managers, 286.

Bright, Mr., M.P. in favor of Government paying defrauded depositors, 142;

on Government security, 232.

Brighton Bank fraud, 204 et seq..

Buckingham, Mr. J. Silk, on compulsory savings, 390-1.

Building Societies compared with Savings Banks, 382-3.

Bullar, Mr. John, proposes Postal Banks, 280 et seq.; 343.

Business done in Post Office Banks, amount of, 313 et seq.;

nature of, 318 et seq..

C.

Canterbury Bank fraud, 218 et seq..

Chadwick, Mr. Edwin, on Post Office Banks, 311.

Chalmers, Dr., on Savings Banks, 105;

on the Interest Rate, 341.

Chetwynd, Mr., proposes a scheme for applying Savings Banks to the Post Office machinery, 292;

the scheme is recommended by Mr. Scudamore, 293;

adopted in full, 294;

is appointed Controller of the Post Office Banks, 313;

on the Government Annuities scheme, 349.

Clubs at Public Houses, 37.

Cobbett, William, M.P. on Mr. Rose, 46, 81;

speaks of the bubble of Savings Banks, 81.

Committees on Savings Banks: one is appointed on Irish Banks in 1849, 130;

reappointed in 1850, 135;

one is appointed to go over the whole subject in 1858, 164;

report of proceedings of Committee on 1858, 165 et seq.;

recommendations of the same, 169-170;

one is appointed on the Annuities scheme, 361.

Compensation to Savings Bank officials, 328.

Compulsory enactments to secure frugality, 50, 389 et seq..

Consolidation Act of 1863, 182;

пункты Закона, Приложение (B) 400 и след.

Co-operative Societies and Savings Banks, 382-3.

Corporation Savings Banks, Appendix, 410.

Cost of transactions in Post Office Banks, 305; 334-5.

Craig, Mr., of Cork, on systems of book-keeping, 260-1;

objects to the taking of small deposits, 264.

Crossley, Sir Francis, advocates Mr. Sikes's plan, 298.

Cuffe Street Bank fraud: early history of this bank, 133;

discovery of the actuary's defalcations, 115;

subsequent management of the bank, 116;

closing and its results, 118;

a Committee is appointed concerning, 129-30;

reappointed, 135;

depositors are compensated by Government, 142.

D.

Declaration, origin of the subscribing of the Savings Banks, 59;

is an unnecessary limitation, 342.

Defects of Savings Bank system, 266-8;

of the Post Office Bank system, 342-4.

Deposits: limit of the amount of, 53;

altered in 1824, 59;

average amount of, in Post Office Banks, 320;

acknowledgment of, in Post Office Banks, 330-1;

limit of the total amount of, in Post Office Banks unnecessary, 342-3;

may be made available for paying premiums on Government Life Insurances, 367.

Depositors: defrauded, several members speak in behalf of, 150;

number of, in Post Office Banks, 315;

character of, in the same, 319;

analysis of, in the same, 321;

increase of, in the same, 320;

number of Post Office Banks failing to obtain, 321;

how they must proceed in Post Office Banks, 329 et seq.

Disraeli, Mr. M.P. speaks of Savings Bank legislation, 155.

Distribution of Savings Banks, the irregular, 236.

Douglas, Mr. M.P. introduces a bill to regulate Scotch Savings Banks, 57.

Duncan, Dr. Henry, of Ruthwell: Founder of Savings Banks, 28;

early life, 29;

literary pursuits, 30;

proposes Parish Banks, 32;

establishes the Ruthwell Bank, 33;

assists in the establishment of other banks, 33-4;

writes an Essay on Savings Banks, 34;

his death, 57;

advises Government encouragement and protection, 57;

corresponds with Mr. Douglas on the subject, 58.

E.

“Edinburgh Review,” 1807, on Mr. Whitbread's proposals, 24;

on Savings Banks, 28, 380.

Edinburgh Savings Bank, the original 40-43; many banks are formed

on its model, 41.

Education, improvement in systems of, 6.

Employers of labour: recommended to consider a scheme of Life Insurance at work at the Post Office, 369;

how they may assist their workmen in the same way, 370-1;

their duty to their workmen, 386;

their influence, 389-90.

Equalization of interest in different banks, 339-40.

Estcourt, Mr. Sotheron, and Savings Banks, 162-3;

is appointed Chairman of Committee of 1858, 164;

speaks on failures in legislation, 176;

assists in bringing in a bill, 179;

opposes Post Office Banks, 300;

on Government Annuities scheme, 359; 361-2.

Exeter Savings Bank, establishment of, 26.

Expenses of different banks, 264.

F.

Facilities, absence of, in Savings Banks, 239;

not proportioned according to population, 240;

increase of, 371.

Farquhar, Sir Minto, on the Government Annuities Bill, 359; 362.

Financial crisis of 1826: description of, 92;

consequences of the, 93, 94.

Fletcher, Rev. H. S. and his frauds at Bilston, 208 et seq..

Frauds in Savings Banks: Cuffe Street, 111 et seq.;

Hertford Bank, 118;

Tralee Bank, 184 et seq.;

Killarney Bank, 191 et seq.;

Auchterarder Bank, 193-4;

Rochdale Bank, 203-4;

Brighton Bank, 204 et seq.;

Mr. W. H. Grey on, 207-8;

at Newport, Isle of Wight, 208;

Bilston Bank, 208 et seq.;

Canterbury Bank, 218 et seq.;

return of, 223;

Worcester Savings Bank, 225 note;

the remedy for, 225;

the result of, 231.

Friendly Societies: benefits of, compared with those from Savings Banks, 69; 85-6;

disputes between, 80;

oppose the Government Insurance measures, 351;

unsound societies, 353;

Mr. Gladstone on, 354-5;

failure of, 356;

defended by Mr. Sheridan, 357.

Frugality Banks proposed by Bentham, 271-2.

G.

Gladstone, Mr., his connexion with the subject, 156;

introduces a bill into Parliament in 1853, 157;

withdraws it, 158;

obtains leave to introduce further measures in the session of 1855, 158;

speaks on the Government use of Savings Bank money, 159;

introduces a bill relating to the investment of the same, 175;

the bill is lost, 177;

re-introduced and carried, 181;

his connexion with Post Office Savings Banks, 179-80;

considers Mr. Sikes's proposals, 288;

urges the preparation of some such plan on the Post Office authorities, 291-2;

brings in a bill to establish Post Office Banks, 294 et seq.;

speaks on the second reading, 301;

again, in Committee, 304;

answers objections to and questions concerning the bill, 305-6;

as author of the bill, 312;

on the interest given in Post Office Banks, 340;

introduces his Annuities and Insurance scheme, 350;

defends his plans in a long speech, 353-7;

consents to the appointment of a Select Committee, 361;

carries his measure through the House, 362.

Göschen, Mr., M.P., on the Government Annuities Bill, 360, 361.

Goulburn, Mr., incident in connexion with his official life, 66;

opposes the reduction of the interest rate, 78;

brings in a bill to amend the law, in 1844, 122;

proposes a reduction of the interest rate, 124;

assists the whigs in evading a full inquiry, 137;

on Savings Bank money, 172.

Правительственные банки, предложения по ним, гл. VIII. 269 и след.

Government and Savings Banks—its loss from Savings Banks, 74, 146;

its gain from the use of Savings Bank money, 174; 268;

makes good the loss from fraud, in one case, 141.

Government employés and provident habits, 387-8.

Greaves, Samuel, and the Canterbury Bank fraud, 218 et seq..

Guarantee Fund, first proposed by Mr. Sikes, 258.

H.

Habits of workmen, improvements in, 10; 385;

still need improvement, 390.

Hamburg, Savings Banks in, 18.

Hamilton, Rev. G. H. proposes Postal Banks, in 1852, 278;

proposes that the Limitation clause be extended, 343.

Hancock, Dr., writes on Savings Banks, 235;

referred to in connexion with, 256-7;

his connexion with Postal Banks, 275-6;

approves Mr. Sikes' plan, 288.

Hatton, Mr., a witness before the Committee of 1858, 165;

investigates the Reading and Brighton frauds, 204; 206.

Haworth, George, and the Rochdale frauds, 195 et seq..

Herbert, Mr. H. A., M.P., speaks upon Irish Bank frauds, 157-9;

moves a resolution disapproving the conduct of the Government in relation to Savings Banks, 154.

Hertford Savings Bank: origin of the, 27;

defalcations in, 118;

account of the fraud, 119;

discussion in the House of Lords concerning the fraud, 120;

again, 310.

Hill, Sir Rowland, on Mr. Sikes's plan, 286; 301.

Hindrances to the usefulness of Savings Banks, 105;

мошенничества в сберегательных банках, гл. VI. стр. 183 и след.

Hume, Mr. Joseph: his first speech on Savings Banks, 61;

calls for a return, 63;

speaks of the Government loss from Savings Banks, 62, 76;

on the Surplus Fund, 64;

speaks on the rate of interest, 74; 129;

anecdote of, in connexion with Sir R. Peel, 129;

speaks in favour of Sir Charles Wood's bill of 1850, 149-50.

I. J. K.

Improvement in the social habits of the working classes, 10; 385.

Improvidence of many classes, 13; 390.

Increase of Savings Bank business, 1825 to 1840, 97;

of depositors and deposits in Post Office Banks, 315-7.

Inspection of depositors' books, 146.

Insurance, Government: early objections to the plan of, 153;

later objections to, 351;

bill to regulate, 349 et seq.;

carried, 362;

features of, and details of the measure, 362;

special advantages of, 363 et seq..

Interest given by Savings Banks: first rate of, 53;

attracts the richer classes, 54;

proposals to reduce the rate, 60; 75-6;

the Westminster Review on, 76;

Mr. Spring Rice on, 77;

the consequences of the reduction of 1828, 95;

fresh proposals to reduce the rate, 147;

Savings Bank managers, differ on the question, 262;

in Post Office Banks, 338 et seq.;

Dr. Chalmers on, 341;

Mr. Mill on, 341;

shown by an interesting example, 381-2;

interest given by Post Office Banks, 338-340.

Investment of Savings Bank money: an early dispute concerning the, 53;

the mode of, is explained to the Committee of 1858, 170-1;

Savings Bank managers object to the mode, 173;

benefits to the Government of present arrangements, 174.

Irish Savings Banks: early banks, 44;

at first beneficial to the country, 112;

disastrous effects of the frauds in, 112; 118;

Committees of Inquiry respecting, 130; 136;

a bill is passed to amend the law relating to, 151;

the frauds cause a breaking up of Irish banks, 236;

number of Post Office Banks failing to obtain depositors in Ireland, 322.

Killarney Bank fraud, 191 et seq..

L.

Legislation on Savings Banks: early measures of, 45 et seq.;

Savings Bank Acts are consolidated, in 1828, 65;

Mr. Goulburn's bill, 123;

amendment is proposed, in 1848, 133-4;

Act is made to apply to Ireland only, 135;

Sir Charles Wood introduces the Amendment Act of 1850, 139-40;

shown to be much required, 141;

is withdrawn, 151;

an Act is passed to amend the law on Government Annuities, 153;

Sir G. Lewis introduces the Government bill, 160;

withdraws it, 164;

a Committee of Inquiry is appointed, in 1858, 164-5;

finding of the Committee, 168-9;

Mr. Gladstone introduces a bill to provide for the investment of Savings Bank money, 175;

withdrawn, 177;

re-introduced and carried, 182;

the Consolidation Act is introduced and carried, 182;

Mr. Gladstone brings in and carries his bill to establish Post Office Banks, 294 et seq..

Lewis, Sir G. C., re-introduces the Government bill, 159;

replies to objections, 163;

withdraws it, 164;

sees Mr. Sikes on Savings Bank reforms, 256.

Limit of Deposits: is altered, 53;

again altered, 59;

proposals to alter, 124;

fresh proposals to alter, 147;

in Post Office Banks, 342-3.

M.

Maitland, Mr., of Edinburgh, 258 note.

Managers of Savings Bank: combine to oppose Mr. Goulburn's Act, 128;

meet in London to oppose Sir C. Wood's scheme, 147-9;

are examined before the Committee of 1858, 165;

object to Government using their money, 173;

differences of opinion amongst, 260-2;

many object to take small deposits, 264;

differ as to notices of withdrawal &c., 265.

Manchester Savings Bank, 240-1;

compared with the Liverpool Savings Bank, 242.

Masters of Workmen: deducting part of the wages of their operatives for investment in Savings Banks, 272;

their attention directed to the regulations for Government Annuities and Insurance, 363;

their duties, 385;

how they may assist their workmen, 387-8.

Mechanics' Institutes, and Savings Banks, 253.

Military Savings Banks, 243 et seq.;

Acts regulation, 414 et seq.

Money Order Office: great progress of the, 285;

assists in the business of Post Office Banks, 330; 333;

all the offices to be Post Office Banks and agencies for the Annuities and Insurance business, 313; 375.

Money of Savings Banks: security of, 56;

Mr. Gladstone speaks of the Government use of, 158;

benefits derived from the use of, 174.

Monteagle, Lord, of Brandon examined before the Committee of 1858, 167;

opposes the Post Office Bank bill, 303;

makes a “protest” against it, 310.

N.

National Debt Office, 155;

mode of proceeding in, with reference to Savings Bank matters, 170.

Naval Savings Banks: proposals for, Appendix, 413.

Neild, Mr. J. H., of Manchester, examined before the Committee of 1858, 165;

speaks as to increased facilities causing increased business, 241;

instances the Liverpool Savings Bank, 242.

Newport, Isle of Wight, fraud in Savings Bank, 208-9.

Nineteenth Century, the century of the working man, 23.

Number of Savings Banks inadequate, 238;

of hours during which they were open in 1861, 239;

of Post Office Banks, 314;

of old banks which have transferred their business to the new banks, 325 et seq..

O.

Officials of Savings Banks, the change from paid to unpaid, and

results, 143; compensation to, on the breaking up of institutions, 328.

Opposition to Government measures by Savings Bank managers, 128; 141-9; 163-4; 177-80;

by Insurance Societies and Benefit Societies, 352; 360.

P. Q.

Pallmer, Mr., M.P., proposes the first Savings Bank Consolidation Act, 65.

Parochial relief to Savings Bank depositors, 52;

depositors compared with the number of persons in receipt of, 230.

Pease, Mr. Joseph, M.P., on Savings Banks, 71.

Penny Savings Banks, 246 et seq.;

advantages of, 249.

Poor Laws and Savings Banks, 49-50;

the result of Savings Banks on, 98;

shown by Table, 100-1;

the Amendment Act of 1834, 102; 389.

Post Office and Life Insurance, 369-70;

employés of, provided for by other provident measures, 387-8.

Post Office Savings Banks: in relation to the frauds in ordinary Savings Banks, 216-17; 222;

their present and future position, 273;

Handy Book on, 274 note;

origination of the principle of, 274;

persons wrongly credited with the origination of, 275-7;

banks in connexion with the Money Order Office first proposed by Rev. G. H. Hamilton in 1852, 278;

next by Mr. Bullar of the Temple, 280 et seq.;

Mr. Sikes, of Huddersfield, proposes Post Office Banks, 284;

the nature of his proposals, 284-5;

addresses Mr. Gladstone in a printed letter, 287;

Mr. Gladstone's reply, 288;

the proposals are referred to the Post Office, 289;

important objections to them, 291;

Mr. Chetwynd proposes an entirely new scheme, 292;

is recommended by Mr. Scudamore, 293;

adopted by Lord Stanley of Alderley, 294;

Mr. Gladstone carries a bill through the House of Commons to establish the banks, 294 et seq.;

Lord Stanley of Alderley carries it through the Lords, 306 et seq.;

receives the Royal Assent, 310;

the benefit of the banks to the country, 312;

their success, 313;

their introduction into the country, 313;

the amount of business done in, 313 et seq.;

nature of the business done in, 318 et seq.;

number of, at different times, 314-15;

statistics relating to, 315 et seq.;

increase in the number of depositors in, 317;

have a special public, 319;

their progress where they were not supposed to be wanted, 320;

character of the new depositors in, 321;

result of, on old banks, 322 et seq.;

return of old banks which have transferred their business to, 325 et seq.;

mode of transacting business in, 328 et seq.;

information on the subject of, where obtainable, 329 note;

as to depositing money in, 329-32;

as to withdrawing money out of, 333;

internal arrangements of chief Savings Bank, 333-4 note;

cost of transactions in, 334-5;

the peculiar advantages of, 335 et seq.;

how affected by frauds, 336;

security, 335;

despatch, 336;

secrecy, 337;

engage to take small sums, 338;

rate of interest in, 338 et seq.;

Government Annuities scheme, an offshoot of, 350; 360;

assist depositors in the matter of Government Annuities and Insurance, 367;

Акт, регулирующий их, Приложение 416 и след.;

дальнейший прогресс их, Приложение 430.

Pratt, Mr. John Tidd: appointed certifying barrister, &c. of Savings Banks, 67;

his connexion with the Cuffe Street bank, 117;

urges the reduction in the limit of deposits, 124;

his powers are enlarged, 125;

is blamed on account of Irish banks, 136; 139;

exonerated by a Committee of Inquiry, 140;

gives evidence before the Committee of 1858, 165;

is consulted as to the Consolidation Act, 182;

makes awards in the Tralee bank frauds, 191;

in the Killarney case, 193;

attends at Bilston on account of the frauds there, and explains them, 213-15.

Preliminary Savings Banks, 253-4.

Progress of Savings Banks: in their []earlier stages, 89;

shown by Table, 91;

shown by Table, 97;

shown by Table, 227;

rate of, at different periods, 229;

of Post Office Banks, 313 et seq.;

progress of the additional measures, 375-7.

Progress of the country, between 1824 and 1840, shown by statistics, 103;

shown again by statistics, 230-1.

Provident habits, increase of, 99;

importance of cultivating, 378-80;

masters of workmen should help to cultivate, 386-7;

want of among large numbers, 390.

Provisions of the first legislative enactment on Saving Banks, 52-3;

of the first Consolidation Act, 67-8;

of the first bill to grant Annuities, 70;

of Mr. Goulburn's Act of 1844, 127;

of Sir Charles Wood's bill of 1850, 145 et seq.;

of the Government Annuities and Insurance scheme, 364, et seq.;

действующих в настоящее время Актов в отношении сберегательных банков, почтовых банков, аннуитетов и государственного страхования, Приложение.

Quarterly Review, on Dr. Duncan, 30-31;

on the prosperity of the country in 1826, 92;

on the progress of Savings Banks, 80;

makes proposals for a system of banks, 273-4;

on compulsory investment of workmen's earnings, 389;

on Co-operative Societies, 383 note.

R.

Rates of Interest: proposals to reduce the, 60; 75-6; 147;

difference of opinion on the question, 262;

different in different banks, 263;

in Post Office Banks, 338 et seq.; equalization of, 340.

Reading Bank fraud, 203-4.

Reform, agitation of 1831 & 2, 96;

its consequences on Savings Banks, 98.

Reynolds, Mr., M.P., speaks on the Dublin Bank fraud, 136;

proposes and carries a Committee of Investigation in 1849, 138.

Rice, Mr. Spring, defends the rate of interest given, 77;

opposes Mr. Hume, 78;

gives some interesting statistics on the matter of Savings Banks, 78. (See Lord Monteagle).

Rochdale bank fraud, 195, et seq..

Roebuck, Mr., M.P., on the Government Annuities bill, 385.

Rose, Right Hon. George, establishes the Southampton Savings Bank, 26;

Cobbett's attack upon him, 46-7;

introduces the first Savings Bank bill, 47;

re-introduces it the year after, 49.

Rural districts, Savings Banks in, 109.

Ruthwell Bank: established by Dr. Duncan, 31 et seq.;

rules, &c. of the, 37-40;

character of the, 58.

S.

Savings Banks: not an object of controversy, 16;

the founder of, 28;

the first bill for regulating, 65;

compared with Friendly Societies, 85-6;

their results on the general progress of the country, 1824 to 1840, 104;

their merits disputed, 106-7;

мошенничества в них, Глава VI. стр. 183 и след.;

progress of, 227;

list of counties without, 237;

number of, in 1860, 236;

absence of facilities in, 239;

number of hours they were open in 1860, 239-40;

return relating to the ten principal, 267;

the principal defects of the Savings Bank system, 266-8;

results of Post Office Banks on, 322 et seq.;

list of those transferred to Post Office system, 325 et seq.;

and Government Annuities, 348;

are preliminary means, 380;

are safe and productive, 381-2;

Abstracts of Acts relating to, Appendix, 400 et seq..

Scotch Savings Banks: early Acts relating to, 57-8;

the Consolidation Act of 1828 extended to, 74.

Scudamore, Mr., reports on Mr. Chetwynd's plan of Post Office Banks, 293;

on a scheme for working Government Annuities, 349;

superintends the arrangements for introducing the measure, 362;

devises a plan for assisting Post Office employés to insure their lives, 369.

Seamen's Savings Banks, 245-6;

Act regulating, 412-13.

Secrecy in connexion with Post Office Banks, 337.

Security of Savings, the most important consideration, 51;

erroneous impression as to Government security, 133;

in Post Office Banks, 335.

Sharman, Mr., Handy Book, 274; 276; 329 note.

Sheridan, Mr., M.P., on Friendly Societies, 357.

Sikes, Mr. C. W., of Huddersfield;

is a witness before the Committee of 1858, 164;

his evidence, 167 note; 174 note;

on the increase of facilities, 242;

some particulars of his life, 250 et seq.;

proposes Preliminary Banks, 253;

пишет брошюру под названием «Хорошие времена», 255;

addresses Sir G. C. Lewis on Savings Bank reforms, 256;

his recommendations, 257-8;

Government Banks, 274;

proposes Post Office Savings Banks, 283 et seq.;

addresses Mr. Gladstone on the subject, 287;

defects of Mr. Sikes's plan, 291;

supports the Government scheme, 301.

Slaney, Mr., M.P., on Savings Banks, 73; 151.

Smith, Rev. Thomas, of Wendover, establishes one of the first Savings Banks, 20-21.

Southampton Savings Bank, origin of, 26.

Spearman, Sir Alexander Y., 155;

gives evidence before the Committee of 1858, 166-7;

explains the mode of investing Savings Bank money, 170-71;

on the Government loss, 268.

Stanley, Lord, of Alderley, takes charge of the Savings Bank Money bill in the House of Lords, 181;

introduces and carries through the House the Post Office Savings Bank bill, 306 et seq.;

carries the Government Annuities bill through the Lords, 362; 431.

Statistics, relating to Savings Banks, 91; 227;

to Post Office Savings Banks, 315 et seq.;

to Savings Banks, Post Office Banks, Government Annuities, &c. Appendix, 424 et seq.

Stillorgan Bank, the first Savings Bank in Ireland, 44.

Sunday Bank, the, at Hertford, 27.

Surplus Fund of Savings Banks, 64;

Mr. Hume on, 75;

can be applied to compensate Savings Bank officials, 328.

T. U. V.

Taxation, removal of, 4.

Taylor, Mr. E. of Rochdale, is examined before the Committee of 1858, 196; 199;

writes a pamphlet arising out of the Rochdale frauds, 233;

on Government security, 257.

Times, The: on early Savings Banks, 84;

commences hostile criticism on Savings Banks, 105-8;

on frauds on Savings Banks, 235;

on Post Office Banks, 311;

on Government insurance, 352.

Tottenham, an early Savings Bank at, 20.

Tralee Bank fraud, 184 et seq.

Сертификаты о переводе, копия их и т. д. Приложение 417.

Treasurers, Government proposals for, 145.

Trust accounts, legislation on, 125.

Trustees, Liability of: 60-61;

unsatisfactory state of the law regarding, 111;

mentioned in connexion with the Hertford Bank fraud, 120;

legal decision on, 123;

Sir C. Wood attempts to regulate the, 132.

Vansittart, Mr., M.P., on Savings Banks, 48;

speaks of the safety of Savings Bank money, 56.

W.

Wages, increase in the rate of, 230.

Wakefield, Mrs. Priscilla, establishes a bank in 1799, 19.

Wellington, Duke of, on military banks, 243 note.

Wendover, and early bank at, 20.

Whitbread, Mr., M.P., introduces his Poor Law bill, 21;

proposes a Poor's Fund and Poor's Insurance Office, 23;

further reference to his proposals, 270; 346;

положения его мер. (См. Приложение A).

Wilberforce, Mr., on Savings Banks, 50.

Willoughby, Sir Henry: opposes Sir C. Wood's bill of 1850, 150; 177;

is a member of the Committee of 1858, 164;

speaks in the House on the subject, 176;

assists in bringing in a bill to remedy the defects of the law, 179; 182;

opposes the Post Office Bank bill, 306.

Withdrawals, notices of: a subject of dispute, 265;

concerning, in Post Office Banks, 232-3.

Wood, Sir Charles: proposes to amend the law of Savings Banks, in 1848, 131;

opposes the motion for a Committee on Irish Banks, 137;

proposes compensation to the Cuffe Street depositors, 141;

brings in an important measure in 1850, 144;

explains its provisions, 145-7;

withdraws it, 151;

replies to a vote of censure moved by Mr. H. A. Herbert, 155.

Worcester Savings Bank fraud, 225 note.

Working classes, improvements in the condition of, 10;

do not need charity, 324; 385;

like to be advised, 386;

duty of employers to, 386-8.

КОНЕЦ.

ЛОНДОН: ОТПЕЧАТАНО Р. КЛЕЕМ, СЫНОМ И ТЕЙЛОРОМ

Примечания транскрибатора:

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Пунктуация была приведена к единообразию.

Сноски были пронумерованы последовательно и перенесены в конец главы, в которой они встречаются. Сноска 49 относится к таблице, следующей за привязкой. Таблица была перемещена так, чтобы она находилась между абзацами, а не прерывала абзац, как в оригинальной книге.

Широкие таблицы были разделены, чтобы все данные отображались на маленьких экранах.

Другие изменения:

'Artizan' на 'artisan' в различных местах. два случая «i. e.» на «i.e.» a) 'Rotherdam' на 'Rotherham' b) удалена l из '5 l percent' c) 'Monquhilter' на Monquhitter d) 'pamphet' на 'pamphlet' e) 'gnee' на 'gone' f) пробел удален из 'sm all' g) 'busi-' на 'business' h) 'effected' на 'affected'

The Project Gutenberg eBook of A History of Banks for Savings in Great Britain and Ireland, by William Lewins