范约翰（J.M.W.Farnham，1829—1917），清心男塾、女塾创办人，《小孩月报》创刊人，美国北长老会传 教士。
（原文）
Shanghai， Feb. 13th，1912
To the President of the Republic of China，Nanking.
Dear Sir，
Many of your friends here loyal to you and your government think there is a plenty of money in China (as much as ever）and that the Government need not at this time seek to borrow of foreigners but that the Chinese would be willing and glad to show their faith in the New Government and love for it by taking the loan themselves.I enclose a photograph of the bonds you have sold five years ago and suggest that similar bonds be prepared with a promise of say 10 percent interest and sold throughout all the provinces， and thus obtain sums all the way up from $1.00 to thousands from your willing and faithful citizens.
In less than a year you can raise on 4 percent.foreign loans any amount you require.I recently saw that the Japanese public debt amounts to more than two billion and a half dollars if I mistake not and England has a very heavy debt.Once the country is all under your rule， you can get all you want， and no doubt it will be a wise policy to borrow as much as you need till the New Republic is well set up on a good foundation which I devoutly hope will be very soon.
Yours most respectfully，
J.M.W.Farnham
（译文）
上海，1912年2月13日
致中华民国总统，南京。
尊敬的先生：
在座许多忠于您和您的政府的朋友认为中国有很多钱（和以前一样多），政府现在不需要向外国人借钱，但中国人愿意并乐于通过自己接受贷款来表明他们对新政府的信任和热爱。我随信附上你们五年前出售的债券的照片，建议准备类似的债券，按年息10厘在所有省份出售，从自愿和忠诚的公民那里获得从1美元到数千美元的金额。
不到一年您可以利用年息4厘的国外贷款筹到您需要的资金。我最近看到，日本的公共债务超过了20.5亿美元，而如果我没有搞错的话，英国债务也异常沉重。一旦这个国家完全在您的统治之下，您可以如愿以偿。毫无疑问，在新共和国建立稳固根基之前，借到尽量多的贷款是一个明智的政策，我虔诚地希望这一刻会很快到来。
范约翰 敬上