British banks developed on the basis of metalworking. /kloc-in the middle of the 0/7th century, the British goldsmith industry was very developed. They keep gold and silver currency for customers, issue custody certificates, collect custody fees and transfer gold and silver. Later, as the custody receipts gradually evolved into bank notes, transfer vouchers evolved into bank checks, and the full reserves were transformed into partial reserves, the goldsmith industry gradually developed into a banking industry engaged in currency business.
1. The earliest banks can be traced back to Babylon in 2000 BC. At that time, the temple was already engaged in keeping gold and silver, issuing loans and collecting interest. In Greece in 500 BC, Athens in 400 BC, and the Roman Empire in 200 BC, the prototype of the original bank can be found.
2. China's banking industry also has a long history. Li Zhou has a record of "all happiness", that is, an institution that handles credit business. During the Spring and Autumn Period and the Warring States Period, lending was very common. In the commercially developed Tang dynasty, there were not only foreign exchange businesses called "flying money", but also "quality warehouses", that is, pawn shops. As well as "convenient money service" established in Song Dynasty, "quality code library" in Jin Dynasty, "decoding shop" in Yuan Dynasty, "money house" in Ming Dynasty and "draft bank" in Qing Dynasty, they are all institutions engaged in money business.
3. The first bank in China was Li Ruyin Bank, which was established in Hong Kong by Britain in 1845, and later became the Oriental Bank. Macquarie Bank (Standard Chartered Bank) established in 1857, HSBC established in 1865, Dehua Bank in Germany established in 1889 and Credit Suisse Oriental Bank established in 1894 were all major foreign banks at that time. China Commercial Bank, established in Shanghai from 65438 to 0897, is the first bank founded by China himself, marking the emergence of China Modern Bank.