如今,中国政府正在考虑建立美国式的存款保险制度,以规范金融业竞争,降低金融风险。但实际上,美国先进的存款保险理念最初却来自中国清政府管理广州“十三行”的经验。世界第一的“十三行”广州“十三行”是清代设立于广州负责经营对外贸易的十三家专业商行(各个时期具体数量不等,它们是半官半商性质的对外贸易商业集团,负责对外贸易和相关税收的缴纳)。 Today, the Chinese government is considering the establishment of a U.S.-style deposit insurance system to regulate competition in the financial industry and reduce financial risks. In fact, however, the concept of advanced deposit insurance in the United States originally came from the experience of the Qing government of China in managing “13 lines” in Guangzhou. The world’s first “thirteen” Guangzhou “Thirteen” is the 13 specialized firms in Guangzhou responsible for foreign trade in the Qing Dynasty (the exact numbers vary from one period to the next; they are semi-official and semi-commercial Foreign trade business group, responsible for the payment of foreign trade and related taxes).