CAJ | 학술논문

作为传统民间金融组织的浙商典当铺，早在唐代己很普及。两宋时期，浙江商品经济十分活跃，典当业得到较大发展；元末明初，典当业的特征是以私人经营为主；清代以来，随着农业与手工业再度发展，浙商典业呈现空前高涨，整个金融处于“钱商调融各业，典当利赖贫民”的状况。1949年浙江解放后，典当业通过公私合营转变成社会主义经济的一部分。典当业变迁说明，商品经济是其兴盛的动力，社会环境是其发展的条件，授受信双方的博弈是其确立的基础，完备的金融制度是其发展的保证。
작위전통민간금융조직적절상전당포，조재당대기흔보급。량송시기，절강상품경제십분활약，전당업득도교대발전；원말명초，전당업적특정시이사인경영위주；청대이래，수착농업여수공업재도발전，절상전업정현공전고창，정개금융처우“전상조융각업，전당리뢰빈민”적상황。1949년절강해방후，전당업통과공사합영전변성사회주의경제적일부분。전당업변천설명，상품경제시기흥성적동력，사회배경시기발전적조건，수수신쌍방적박혁시기학립적기출，완비적금융제도시기발전적보증。
In Zhejiang, pawnshops, as non-government financial institutions, were very popular in the Tang dynasty and thrived in the Song due to the prosperity of commodity economy. In the late Yuan and early Qing, pawnbroking was mainly privately owned. In the Qing dynasty, with the development of agriculture and handicraft industry, the pawnbroking industry in Zhejiang got unprecedented prosperity. After 1949, the pawnbroking industry was turned to be a part of the socialist economy by the practice of joint state-private ownership. The history of the pawnbroking industry indicates that it is influenced by the commodity economy, the social environment, and the financial system.