钱庄是中国早期的民间信用机构,它有两个特征:一是金融功能多样化,即经营存款、放款、异地汇划、发行钱票以及货币兑换等多项业务;二是以工商业者为主要服务对象。中国的钱庄经历了唐宋以来商品经济和货币交换关系长期 Bank of China is an early private credit agencies in China, it has two characteristics: First, the diversification of financial functions, namely, operating deposits, lending, foreign exchange remittance, issuing money and currency exchange, a number of businesses; the second is based on the business people Service object China’s banks have experienced the long-term relationship between commodity economy and currency exchange since the Tang and Song dynasties