What is the ticket number of Jin Shang, and does the generation of ticket number have anything to do

First of all, most of the banks and bills are small in scale, and most of the funds are owned by one family, some are family, and few are widely fund-raised, while the banks of Western countries in the same era mostly raised funds more extensively. The business of money banks and ticket numbers was limited to domestic countries, and at that time, most banks in Western countries had cross-border business. Secondly, the proportion of the deposit money from the bank and the ticket number is very small for productive capital turnover, especially because the lending interest rate is higher (generally the annual interest rate is more than 2/10th), and the loan for production is even less.

In other words, there is a disconnect between the business and production of money banks and ticket numbers. This severely limits the expansion of the business scope. Finally, the composition and operation and management of the money bank and ticket number have a strong feudal character.

The relationship between its personnel and its personnel is mostly maintained by blood, clan, master and servant, master and apprentice, etc., and its management is also family management. The heyday of money banks and ticket numbers was a period after the Opium War, and with the emergence and development of the domestic banking industry, they also went into decline due to the completion of their historical mission.

Historical reasons, conditions, characteristics, and influences of the Jin merchant ticket number:

The Jin merchants of the Ming and Qing dynasties had three distinct characteristics.

First, the feudalism used them as a tool to implement the fiscal policy and provide military salaries;

second, there is an unusual mutual trust relationship between merchants and feudalists;

The third is the feudalization of profits.

The usual meaning of the Jin merchants refers to the Shanxi merchants in the 500 years of the Qing Dynasty, and the Jin merchants engaged in salt industry, ticket numbers and other businesses, especially the ticket number is the most famous. The Jin merchants also left a rich architectural heritage for China, such as the famous Qiaojia Courtyard, Changjia Manor, Li Family Compound, Wang Family Compound, Qujia Courtyard, Cao Family Sanduotang and so on. The Eight-Nation Coalition demanded reparations from China, and the Empress Dowager Cixi's ruling Qing ** borrowed money from the Qiao family of the Jin merchants to repay the national debt.

The economic strength of the Jin merchants can be reflected from this incident. The Jin merchants can be traced back to the samurai between the Sui and Tang dynasties. When Wu Zetian's father, Li Yuan and his son raised troops from Taiyuan, the timber merchant Wu vigorously funded it from financial resources, and Li Yuan and his son began to seize national power with the most elite Taiyuan army and Wu family's financial resources at that time.

After the founding of the People's Republic of China, the Wu family was crowned as the Duke of the Kingdom, and his status was equal to that of Qin Qiong and Cheng Yanjin. One can imagine how much property Li Yuan and his son received from the Wu clan at that time, and the Wu clan also received a huge return from his initially clever political investment. Later, it also gave birth to Wu Zetian, an unprecedented empress in Chinese history.

Of course, that's an afterthought. The root of the success of Jinshang lies in the "integrity" and unity of the business policy.

1. The capital accumulation of Jinshang is relatively strong. As early as the Qianlong period, Shanxi's merchant capital was "one million family capitalists, and so on".

2. The needs of Jinshang's business activities. Most of the Shanxi merchants are engaged in long-distance trafficking, the circulation of commodities and capital turnover are slow, and the advance capital is large, so they need to borrow money from the society when they are prepared under the condition of insufficient capital.

3. The need for fund transfer and settlement between the firms of Jinshang. Jin merchants are all over the country, forming a certain scale of business network. The profits of local firms must be returned to the Shanxi general number, and the dividends will be distributed in a unified manner, and at the same time, the funds will also be transferred between the general number and the semicolon Xiangbo.

In the past, it was used in the form of cash transported by the bodyguards of the dart shop. However, due to the extreme social instability since Qianjia, the bodyguards are extremely unsafe. In order to solve the problem of cash silver, the Shanxi ticket number in the form of exchange was produced.