CAJ | 학술논문

清末民初浙江工商业资金融通完全依赖钱庄业，钱业适应了民族工商业以及进出口贸易而获得进一步发展。从钱市交易内容观察，最初有货币兑换、现水调节、规元买卖、同业拆借，后来推出远期交易，构建了钱业市场运行的立体图景；从空间布局探讨，浙商钱市涵盖了宁绍杭温湖等地，宁绍苏杭四市场的行市以上海钱市马首是瞻，形成了以上海为中心的具有强大幅射力的金融网络。本土产生的钱业市场制度对于当今金融市场的改革与完善能够提供一定的借鉴。
청말민초절강공상업자금융통완전의뢰전장업，전업괄응료민족공상업이급진출구무역이획득진일보발전。종전시교역내용관찰，최초유화폐태환、현수조절、규원매매、동업탁차，후래추출원기교역，구건료전업시장운행적입체도경；종공간포국탐토，절상전시함개료저소항온호등지，저소소항사시장적행시이상해전시마수시첨，형성료이상해위중심적구유강대폭사력적금융망락。본토산생적전업시장제도대우당금금융시장적개혁여완선능구제공일정적차감。
Zhejiang industrial and commercial financing is entirely dependent on native bank industry during late Qing to early Republic of China. The monetary industry got a further development by adapting to the national industry and commerce and the import and export trade. By observing it from the content of monetary market trading, initially there is currency conversion, Xianshui regulation, Guiyuan trading, interbank lending, followed by forward transactions, building up the monetary market operation system. Viewed from the space layout, Zheshang monetary market covers Ningbo, Shaoxing, Hangzhou, Wenzhou, Huzhou and other related places. The four markets in Ningbo, Shaoxing, Suzhou and Hangzhou followed Shanghai monetary market. They formed an influential financial network with Shanghai as the center. The system of native monetary market can provide certain reference to reform and perfect today’s financial market.