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徽州商帮兴盛数百年时间,商业人才辈出是一个重要原因。本文以明清徽州的放贷商人为例,探讨徽州商业人才辈出的原因。放贷商人是徽州商人中一个非常庞大且极为重要的群体。徽州商人多,资金需求量大;徽州本土流动性大,资金来源丰富;徽州借贷利息总体不高,利润可观。因此借贷是徽州商人获得资金的主要途径。商业对借贷资金的依赖刺激了徽州放贷商人数量的膨胀,徽州商帮也在放贷商人的支持下发展壮大,形成了商业人才辈出和商业经营持续发展的良性循环。徽州区域历史上所形成的重商文化更是培育徽州商业人才辈出的温床。
Huizhou business gang flourished for hundreds of years, business talent is an important reason. This article takes the lending merchants of Huizhou in the Ming and Qing Dynasties as an example to discuss the reason of Huizhou business talents. The lending merchant is a very large and extremely important group of Huizhou merchants. Huizhou merchants, large demand for funds; Huizhou local liquidity, rich sources of funds; Huizhou lending interest is generally not high, considerable profits. Therefore, borrowing is the main way for Huizhou merchants to obtain funds. Commercial dependence on lending funds stimulated the expansion of the number of lending merchants in Huizhou, and the Huizhou merchants’ gang also grew and developed with the support of lenders. This has formed a virtuous circle in which business talents come forth in large numbers and business operations continue to develop. The heavy business culture formed in the history of Huizhou region is also a breeding ground for Huizhou business talents.