中国的商品经济,在经历了清王朝康乾盛世之后,获得了较大发展。随着农产品商品化程度的提高和手工业生产的分工发展,在全国范围之内,不仅兴起了众多的地方性市场,而且出现了一些全国性的大市场,如北京、汉口、苏州、佛山,特别在鸦片战争之后,上海日益成为南北货物交流运转之要冲。这些商业中心城市的发展,扩大了市场规模,也加强了各地间的商品交易往来联系。市场规模的扩大和地区间经济联系的加强势必对交易资金在异地和同城间的划拨清算提出更高要求。票号和钱庄正是在这种社会历史条件之下,担起了中国社会 China’s commodity economy, after experiencing the Kangxi reign of the Qing Dynasty, has gained great development. With the improvement of the commercialization of agricultural products and the development of the division of labor in handicrafts production, not only many local markets have emerged across the country, but some large national markets have emerged, such as Beijing, Hankou, Suzhou, Foshan, After the Opium War, Shanghai increasingly became the key point for the exchange of goods between North and South. The development of these commercial center cities has expanded the market size and strengthened the contact of commodity transactions between different places. The expansion of the market scale and the strengthening of economic ties among regions will inevitably place higher demands on the transfer of funds for trading in other cities and between cities. It is in this kind of social and historical conditions that the ticket number and bank are taken under the influence of Chinese society