In 1772 Douglas Heron & Co, more popularly known as the Ayr Bank, after the town where its head office was located (aptly spelt “Air” in some contemporary documents), went spectacularly bust. It had been formed only three years before, backed by some of the largest landowners in Britain, and had used this seemingly solid foundation to expand rapidly. Using a mixture of discounted bills and cash borrowed from the London money markets, it quickly became one of the largest banks in the country. Its collapse bankrupted dozens of its shareholders and cast a black cloud over the Scottish economy for decades.
1772年，道格拉斯·赫伦公司(Douglas Heron & Co)轰然破产，它更广为人知的名字是艾尔银行(Ayr Bank)，以其总部所在的小镇命名(在一些同时代的文件中，它被恰当地拼写为“Air”)。它成立于三年前，得到了英国一些最大的地主的支持，并利用这个看似坚实的基础迅速扩张。它利用贴现票据和从伦敦货币市场借来的现金，迅速成为全国最大的银行之一。它的倒闭使数十个股东破产，给苏格兰manbetx20客户端下载 蒙上了几十年的阴影。