家庭筹资是晚明商人获得资本的直接而简便的方式。家庭成员较容易在家庭单位内获得经营资本和解决资金不足的困难,商人的筹资活动也可能从家庭单位向家族范围扩展;家庭财产向商业资本的转化没有严重的障碍,为商业经营目的可能集中起家庭的一切财产。家庭筹资的畅通造成了晚明民众大举经商,使商业的发展有了广泛的民众基础。 Home financing is a direct and easy way for late-night businessmen to acquire capital. Family members are more likely to obtain capital from family units and to deal with the shortage of funds. Merchants’ fundraising activities may also extend from family units to families. There is no serious obstacle to the conversion of family property to commercial capital, which may be concentrated for commercial purposes All family property. The smooth flow of family funding has led to massive business engagements by the people in the late Ming Dynasty and a broad popular basis for the development of commerce.