浙商钱庄演化为强大金融枢纽的原因——基于非生物环境视角的分析

The Reason Why Zhejiang Private Banking-House can Evolve into a Powerful Financial Hub——An Analysis Based on the Perspective of Abiotic Environment

浙商钱庄是在明代末期诞生,繁荣兴盛至新中国成立后的特殊金融信用企业。以生物学的视角观察,浙商钱庄俨然是一个神奇的企业物种,全部浙商钱庄聚集成特殊的企业种群。除生物环境外,非生物环境也是生物进化的必备条件。清代初期,浙商创造性地克服了政局不稳、币制不一、同业竞争的困难,诚信经营本土钱庄并使之发展成群。

Zhejiang private money shops appeared in the late Ming Dynasty and played an active role till the founding of the People＇s Republic of China.The money shops are a special and important kind of enterprises.In biological terms,private money shops are an idiosyncratic enterprise species.The evolution of a species is the result of biological adaptation and evolution,while abiotic environment is an important condition for this evolution apart from biotic environment.In the early Qing Dynasty,Zhejiang merchants creatively overcame the difficulties of political instability,multiple currency systems,and horizontal competitions.Their honest operation led to the flourish of the money shops.