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明清时期徽州典商极为活跃,徽典遍布于全国各地,徽典几乎成为典当铺的代名词。徽州典商不但人数众、活动地域广,而且一人拥有数典数十典、一典资本雄厚的情形也较为突出。徽典往往体现为经营地域集中、家族经营、世代承继、数业兼营等特点,并且通常是在商业活动中积累起一定的货币财富后才改营典业的。徽典同其它典铺一样,具有高利贷资本寄生、落后的残忍的和本质一面,但因其数量多、铺本大,取利较其它商帮要低,在江浙丝、棉产区,徽州典铺资本常常起到了借贷资本的作用,与农家经济有着十分紧密的关系。
Huizhou merchants in the Ming and Qing Dynasties very active, Hui Code throughout the country, Hui Code almost synonymous with pawn shops. Huizhou Code not only the number of business people, the activities of a wide area, and one has several dozens of code books, a typical capital abundant situation is also more prominent. The Codex is often reflected in the characteristics of regional concentration, family business, inheritance from generation to generation, and the combination of several industries. It is usually only after a certain amount of monetary wealth has been accumulated in commercial activities to change its business model. Like other pawn shops, Huizhou dynasty owns the cruelty and essence of loan-sharking capital parasitism and backwardness. However, due to its large quantity, Huidian pays more for its profits than other retailers. Paving the capital often plays the role of borrowing capital and has a very close relationship with the peasant economy.