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在缺乏官府主导的融资渠道和社会保障的传统社会,借贷、融资、合会、典当等形式多样的民间金融活动的兴盛,与社会资金存量以及经济活动对资本的需求量密切相关,明清徽州民间资产生息现象的普遍发生具有深厚的社会背景。明代中期以后,商品货币经济空前发展,金钱已成为各种社会活动的必要资本。特别是赋役的纳银化,更加大了人们对白银的刚性需求。明中叶以后,随着私人海外贸易的发展和白银不断入超,也为国内的货币流
In the traditional society, which lacks official-led financing channels and social security, the flourishing of non-governmental financial activities such as borrowing, financing, union and pawn is closely related to the stock of social capital and the demand for capital by economic activities. In the Ming and Qing Dynasties, The prevalence of interest-bearing private assets has a profound social background. Since the middle of the Ming Dynasty, the commodity-money economy has enjoyed unprecedented growth and money has become a necessary capital for various social activities. In particular, the tax-denomination of silver contributes more to the rigid demand of silver. After the middle of Ming Dynasty, with the development of private overseas trade and the continual surpassing of silver, the domestic currency flow