中国是世界上最早使用纸币的国家。纸币的出现是货币发展史上的重大飞跃,宋、元、明、清都发行和使用过纸币。最早的纸币——北宋交子在宋代,四川地区是盐、茶、丝绸的重要产地,贸易量非常大,但当地只流通铁钱。铁钱非常笨重,携带使用很不方便,于是成都十六家富商共同印制发行了代替铁钱的纸币——交子。交子可以兑换现钱,也可以在市场上流通。存款人把现金交给铺户,铺户把金额写在交子上,交给存款人,并收取一定数量的佣金。后来富商常吞没现钱,导致交子不能兑换,于是政府开始官方发行“官交子”。 China is the first country in the world to use banknotes. The emergence of banknotes is a significant leap forward in the history of currency development. Song, Yuan, Ming and Qing dynasties issued and used banknotes. The earliest banknotes - the Northern Song Dynasty Jiaozi In the Song Dynasty, Sichuan is an important source of salt, tea, silk, trade volume is very large, but the local circulation of iron money. Iron money is very heavy, very inconvenient to carry, so Chengdu, 16 wealthy merchants co-printed with the issue of banknotes in exchange for iron money - jokers. Jiaozi can exchange cash, you can also circulate in the market. The depositor pays the cash to the shopkeeper, and the shopkeeper writes the amount on the payee, to the depositor, and receives a certain amount of commission. Later, the rich often swallowed the cash, resulting in the exchange of children can not be exchanged, so the government began to issue official “official jokers.”