鸦片战争后,西方列强将银行作为侵华工具之一,纷纷在中国设立银行。19世纪中叶起,一些进步之士为抵御外国银行的经济侵略,提出了自办银行的主张。从1897年到l911年清廷消亡,中国的自办银行已初具体系。由于对银行的模式都不是非常熟悉,并为巩固其统治基础,清政府在1908年颁布了《银行通行则例》(以下简称《则例》)。其中区分了银 After the Opium War, Western powers set banks as one of the instruments of invading China and set up banks in China one after another. Since the mid-19th century, some progressive people have put forward the idea of ​​self-running banks in order to resist the economic aggression of foreign banks. From 1897 to 1911, China’s self-starting banks have taken shape. The Qing government promulgated the “Banking Rules” (hereinafter referred to as “the Rules”) in 1908 because of its lack of familiarity with the banking model and the consolidation of its ruling foundation. Which distinguishes silver