明清商人为城市游民提供金融服务的经验及启示

The Experiences and Enlightenment from Merchants of Ming and Qing Dynasties Provided Financial Services to the City's Homeless

明清商人为城市游民提供金融服务是通过印局发放贷款来完成的,其经营特点是:无须抵押但必须有担保;小额放贷;放短借款期限,加快催款速度;借助各种有影响的社会力量催还欠款,等等。它对当前银行开展个人金融业务的启迪是:贷款一定要有抵押或担保;加大催款力度;建立、健全全社会性的信用网络。

Through Printing Bureau＇s loans, Ming and Qing merchants provided financial services for the urban homeless. The operating characteristics of Printing Bureau are： not mortgage but must be secured, small credits, putting a short loan period and accelerating the speed of payment request, making use of a variety of influential social forces to acquire payment and so on. Aiming at current banking personal financial service, the inspiration are： acquiring loans must have a mortgage or security, increasing payment request efforts and setting up a whole network of social credit.