山西票号的利润导向

Profit Orientation of Shanxi Draft Bank

明清时代 ,山西主要从事异地款项汇兑的票号在全国以至于国外产生了巨大的影响。山西票号的利润来源有汇费收入、存放利差、“吃空期”、平色余利、代办捐纳和印结、金融创新等 ;山西票号商人诚信品格的特点是重人信用大于重物信用、严格执行信约公履期、家庭教育信义忠诚、票号号规诚信约束、行业协会严格监督、重视相与和谐合作。

During Ming and Qing dynasties, Shanxi money exchange shops that mainly engaged in different regional money exchange had made great impact nationwide and overseas at that time. The profit source of these shops comes from exchange fees, interest difference between deposit and loan, gains from exchange of empty period, average interest from exchange industries, agency for taxation and stamp duty, financial innovation, etc. The honesty and confidence credit, strict implementation money exchange shoppers is characterized by human credit more important than collateral credit, strict implementation of contract fulfillment period, confidence and loyalty emphasized in family education, shop rules in constraint of confidence and honesty, mutual pleasant cooperation highlighted, etc. All these characters should be taken as reference and study example for contemporary enterprises.