货币制度演进与票号产生、衰亡的历史逻辑

The Evolution of the Monetary System and the Historic Logic behind the Emergence and Decline of Draft Bank

盛行于明清两代的票号,其源起与衰亡一直是学者们关注的热点。然而,相关研究多囿于研究视角的局限,未能完全阐述清楚其中的逻辑。本文通过对银本位货币制度演进的梳理,进一步证实货币信用制度的变化是导致传统金融体系崩溃的主因,票号的产生、发展与消亡与明清货币制度尤其是银本位制度的兴衰息息相关。

The emergence and decline of the draft banks which were popular in the Ming and Qing dynasties,has been the focus of scholars' attention.However,most relevant researches are confined to the limitation of the research perspective,and can not fully explain the logic clearly.The article combs through the evolution of the silver standard monetary system,and further confirms that the changes in monetary and credit system are the main causes for the collapse of traditional financial system.The emergence,development and decline of draft bank are closely related to changes of the monetary systems in the Ming and Qing dynasties,especially the silver standard monetary system.