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在清代蒙古地区的开发中,旅蒙晋商起了非常大的作用。在经济文化落后的地区做生意,总是要遇到许多困难的。一是如何在硬通货缺乏的情况下达成买卖双方满意的协议;二是如何在交通、通讯落后,社会安全系数很低的情况下纵横数万里,将易掉膘、易死亡、需要粮草和人工饲养的牛马羊等活资产顺利地运到内地;三是如何适应蒙古牧民的流动式生活,开展流动贸易;四是如何在蒙古牧民生活水平低、信用度不高的情况下开展赊欠业务。旅蒙晋商成功地解决了这些问题,并使蒙古地区变成为自己巩固的战略大后方。许多晋商巨子,如乔家、渠家、常家、曹家,都是从辽阔的蒙古大草原上发家的。
During the development of Mongolia in the Qing Dynasty, the Shanxi-Mongolian merchants played a very big role. In the economic and cultural backward areas of business, always have to encounter many difficulties. First, how to reach a satisfactory agreement between buyers and sellers in the absence of hard currency; and second, how to limit the number of miles and lags in traffic, communication and societal security to low costs, How to adapt to the mobile life of the Mongolian herdsmen and to carry out the floating trade; and fourthly, how to carry out the credit business under the condition of low living standards and low credit level in Mongolia. The Shanxi-Mongolian merchants succeeded in solving these problems and made the Mongolian region the rear of their own consolidated strategy. Many Jin merchants, such as Qiao, Qujia, Chang Jia, Cao, are from the vast Mongolian savannah family fortune.