Because of the system of the Longyan Dynasty, the development of Jinzhou Ticket Shops was greatly restricted.
In the previous life, the Jinzhou ticket number was created due to a series of historical reasons.
First of all, the development of the social commodity economy has put forward new requirements for currency and finance.
China's feudal social economy has developed significantly since the middle of the Ming Dynasty due to the improvement of social productivity and the stimulation of the inflow of foreign silver. This development continued into the early Qing Dynasty, especially during the Kangxi and Qianlong periods, domestic politics
Stability, agricultural production development, and commodity currency economy are more active than before.
With the expansion of the domestic market, not only many local markets have emerged, but also the national large market is gradually taking shape. Liu Xianting, a man of the Qing Dynasty, said: "There are four gatherings in the world, the capital in the north, Foshan in the south, Suzhou in the east, and Hankou in the west
, but on the coast of the East China Sea, beyond Suzhou, there are Wuhu, Yangzhou, Jiangning, and Hangzhou to divide their power, and in the west is Weihan."
The development of the commodity economy opened up a broad circulation range for the transformation of commodities, which naturally put forward new requirements for currency and finance, prompting feudal financial institutions to begin to break through the scope of simple exchange and gradually transition to the credit stage. On the other hand, the development of inter-port trade made
The scope of commodity circulation has expanded, and new problems such as debt settlement and cash balance in different regions have arisen, so specialization of exchange is needed.
Secondly, the social commodity currency economy has developed, which has provided certain conditions for the development of the financial industry. The widespread use of silver coins roughly started from Tian Fu's collection of gold flowers and silver during the reign of Emperor Yingzong of the Ming Dynasty (1436--1449).
1573--1620) implemented a reform that stipulated that land tax, corvee, tribute, miscellaneous labor, etc. paid to the government should all be merged into acres according to a certain proportion of the land per person, and collected in the form of silver.
This tax reform was a major step forward in Chinese history from a feudal labor economy to a monetary economy. However, due to the deepening of social crisis and the restriction of the popularization of currency use by objective conditions, this reform was not fully implemented. In the early Qing Dynasty, the
Taxes stipulated that both silver and rice should be collected. Later, except for part of the grain, almost all silver and money were collected. After the 17th century, the Qing Dynasty collected taxes and paid salaries in silver. Moreover, monetary land rent also had new developments.
We know that the transformation from product rent to monetary rent requires significant development of commerce, urban industry, general commodity production and currency circulation. This transformation also requires that the product has a market price and is more or less
The premise is to sell products close to their own value. Moreover, this transformation cannot be realized without a certain degree of development of social labor productivity.
The emergence of the above currency rent fully reflects the development of the social currency economy on the basis of the past. In addition, due to the increasingly frequent currency exchange of commodities, for the convenience of exchange, in addition to using silver, there are also the use of money and currency in some places.
The phenomenon of paper money.
The transportation methods are lagging behind, it is inconvenient to transport gold and silver, and there have been many thieves in the Longyan Dynasty in recent years.
Under these circumstances and historical reasons.
The Jinzhou ticket number came into being with a lot of money in hand.
but......
There is a but.
Because this world has not experienced other dynasties. The institutional problems of the Longyan Dynasty have greatly restricted the development of bank accounts. There are many vassal kings, and there is a lack of trust among bank banks. Therefore, even in the Jinzhou territory, there have begun to appear
Capitalism has sprouted, but the entire Longyan is still crawling with the ancient feudal inheritance.
This situation resulted.
No matter how the ticket number develops, the ticket number only has an exchange function and does not have a currency function!
Different profit methods are also the biggest difference between bank accounts and banks!
Banks absorb deposits and issue loans, and profits come from interest differences.
The main profit in the early days of the ticket number still came from the handling fee in the exchange and the difference in the exchange.
In terms of deposits, the funds in the bank account came from futures exchanges, payments from the Qing government, and the illegal income of officials.
Bank funds mainly come from private idle funds. Banks have much stronger control over deposits than banknotes. Historically, the decline of banknotes started with a decree from the Ministry of Accounts. After it was decided not to use private banknotes for payment, banknotes
The cash flow of the accounts was cut off. As a result, many accounts took desperate risks, participated in speculation, and eventually perished.
In terms of loans, Qiaohao uses its credit to lend usury to banks for relief, which is essentially short-term lending. Banks take the path of mortgage loans. The nature, scale, and risk resistance of the two are completely different.
In terms of organizational structure, although there are many rules for ticket numbers, they are dependent on the feudal system. The boss and the big shopkeeper are basically the relationship between the emperor and the prime minister, and they are the imperial court. But the essence is indeed private...
Banks are commercial institutions that rely on contracts to check and balance each other. Although their development is slow, they are more stable. They are enterprises. But their entities are dependent on the national government and are government-run!
The plan for the establishment of the bank is a very long file.
Liu Zheng was not in a hurry and waited for a few people to take a look.
King Yong and King Wei both looked at it curiously.
time.
It passed like this little by little.
The more I look.
These people are more surprised.
Especially Prince Jin, who looked up at Liu Zheng in shock: "Master Liu, what you mean is... we help people keep their money and also give them... interest?"