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民国时期商号钱票不时泛滥,全国各处皆见,遍及城乡。私票与官票形成此消彼长之势,反映了民国金融体系的断层与分裂;国家银行钞、省钞严重不足,只得依赖各县发行辅币券补充,为私票提供可乘之机。民国金融体系实服务于财政体系及军阀政治,则必然与商品经济的发展背道而驰。
During the period of the Republic of China firm money spread from time to time, throughout the country are everywhere, throughout urban and rural areas. The change of the private ticket and the official ticket reflects the split and split of the financial system of the Republic of China. The national bank has a serious shortage of banknotes and provincial bills, and can only rely on the issuance of supplementary vouchers by the counties to provide an opportunity for the private ticket. The fact that the financial system of the Republic of China serves the financial system and warlord politics inevitably runs counter to the development of the commodity economy.