The Study On The Qianpu Yinhao In The Ming And Qing Dynasties

Qianpu Yinhao was one of the important financial institutions in the Ming and Qing Dynasties.It was initially converted into a main business by operating money.With the economic and social development,its business operations gradually expanded to deposit,lend and issue silver money tickets.As an important part of the traditional Chinese endogenous financial institution chain,its development has been going on for many years.In the Warring States period from the Qing and Han Dynasties to the Sui and Tang Dynasties,a simple deposit service was established.The interest-bearing deposits from the Northern Song Dynasty to the Ming Dynasty were generated and developed greatly.The universalization of interest-bearing deposits in the Qing Dynasty promoted the development of the money-making institutions and gradually improved them.The types of money money institutions are different and the development is relatively mature.The business entity of Qianpu Yinhao has both the official and private,while the private is divided into the bureaucratic aristocratic family and the wealthy merchants;its capital approach is both wholly-owned and partnership,and the partnership is divided into a partnership of capital and labor.And the partnership between capital and capital.The business of Qianpu Yinhao has expanded from the operation of a single exchange between money and silver to deposits,loans,issuing silver money tickets and other concurrent businesses,and each business is subdivided into sub-businesses.The deposit types are private deposits and social collective deposits;the loans are divided into mortgage loans and credit loans,and the interest ranges from one point to three points;the money notes have various uses;in addition,they also engage in gold and silver jewelry exchange and color identification.And other business.Qianpu Yinhao plays a public function in the development of the business,assists the government to adjust the price of the money exchange,and serves the society.The government also introduces corresponding management measures to intervene and manages the unfavorable factors affecting the development of Qianpu Yinhao to encourage Its development.