The first stage of foreign countries: former life-ancient Rome
The predecessor of bill can be traced back to ancient Rome, when a kind of "self-written certificate" was popular, which was similar to modern bill and could be regarded as the embryonic form of bill.
Self-made certificate: after the debtor makes it, it will be held by the creditor. When the creditor demands payment, he must first show the certificate and return it to the debtor after payment.
At the same time, China was in the Spring and Autumn Period and the Warring States Period, the slave society collapsed, the feudal society gradually formed, and the bills had not yet sprouted.
The second stage of foreign countries: origin-/kloc-Italy in the 0/2nd century
The origin of promissory notes should belong to the "exchange certificate" issued by Italian money changers in the12nd century.
At that time, Italy's trade was extremely prosperous and businessmen gathered, so currency exchange was very important. Money changers not only engage in instant currency exchange business, but also engage in remittance business.
After receiving the currency of the merchant, the money changer in place A issues an exchange voucher to the merchant, and the merchant demands the branch or agency of the money changer in place B to pay the currency commonly used in place B with this voucher. ..
This kind of exchange certificate, equivalent to a promissory note paid in different places, is considered to be the origin of European national bills.
The third stage of foreign countries: embryo-/kloc-Italy in the middle of 0/2 century
The rudiment of draft is the "power of attorney for payment" issued by Italian money changers in the middle of12nd century.
When a money changer issues a payment certificate to other merchants in different places, it is accompanied by a payment entrustment certificate. When the holder asks for payment, he must show these two certificates to the payer at the same time, otherwise he will not pay.
/kloc-After the 0/3rd century, the payment voucher gradually became independent of the validity of the payment voucher, which was born out of the bill of exchange and developed to this day.
Cheques were first produced in the Netherlands and spread to Britain in the17th century. /kloc-After the middle of the 0/9th century, it spread from England to France and Germany, and was gradually adopted by countries all over the world.
As for the modern bill system, it was formed after the development of modern capitalist commodity economy.
The First Stage of China: Origin-Tang Dynasty
In the Tang Dynasty, a kind of ticket called "Fei Qian" appeared in China. Scholars believe that "flying money" is the origin of modern bills of exchange in China.
During the period of Tang Xianzong (806 -820 AD), tea merchants all over the country traded frequently, but the transportation was inconvenient and it was difficult to transport banknotes.
In Chang 'an (Jin 'an), the capital of China, businessmen pay cash to local (various) institutions, military embassies and other institutions in Beijing, or wealthy businessmen with joint numbers in various places, who will issue semi-joint coupons and send the other semi-joint coupons to relevant institutions and numbers in time. After the broker arrives at the destination, he will use the semi-coupon to "coupon" with the relevant local institutions and numbers, and then withdraw the cash.
For convenience, flying money was created.
To put it simply, flying money in the Tang Dynasty is similar to today's bank draft.
The Second Stage of China: Exploration —— Song Dynasty
There were "convenient money" and "jiaozi" in Song Dynasty.
In the third year of Song Taizu Kaibao (AD 970), the government established the official name "Easy Money Bureau".
Merchants pay cash to the "convenient money service" and ask for "convenient money"; When businessmen arrive at their destination with "convenient money" to remind the local government to pay, the local government should pay daily and not stagnate.
This kind of "convenient money" is similar to the modern "payable at sight" draft.
During the Song Zhenzong period, "Jiaozi" appeared in Sichuan (now Sichuan), and local rich households jointly established "Jiaozipu" to issue tickets named "Jiaozi" as a tool for transporting cash in different places.
Later, the government set up the "Jiaozi Service Office" to deal with this matter, and issued the "Guanjiaozi".
"Jiaozi" is similar to modern promissory notes.
The Third Stage of China: Formation —— Ming and Qing Dynasties
In the late Ming Dynasty (A.D.17th century), Shanxi's commerce was developed, and merchants set up "banks" (also known as banks and exchanges) and set up semicolons in various places to operate exchange business and deposit business.
Currency notes, that is, remittance notes, remittance vouchers, money orders, bank notes, promissory notes, etc. It became very popular, and the number of bills gradually evolved, which was called "Qianzhuang" and reached its peak in the middle of19th century.
These bills issued by bank numbers are similar to modern bills of exchange and promissory notes.
In the late Qing Dynasty, western banks entered China, and private banks gradually declined.
China's inherent bill rules were eventually replaced by the foreign bill system.
1929, the state * * * enacted the bill law, which stipulated that bills should be bills of exchange, promissory notes and checks, which was in line with the bill system in western countries, and all kinds of original bills in China were eliminated.
The fourth stage of China: prosperity-modernization
In modern times, the original paper draft has basically taken shape.
1929, the state * * * promulgated the bill law, which stipulated that bills should be bills of exchange, promissory notes and checks, which was in line with the bill system in western countries, and various original bills in China were gradually eliminated.
After the promulgation of Bill Law, it promoted the development of the bill market. Therefore, before liberation, a certain scale bill market was formed in China with Shanghai as the center.
In 1980s, with the deepening of reform and opening-up, bills began to be widely used in China. At present, the bills stipulated in Bill Law (promulgated by 1996) and Payment and Settlement Measures (promulgated by 1997) are basically consistent with the internationally accepted bills, and the use and development of bills in China has entered a new era.
2 1 century, with the advent of the global internet era, electronic tickets were born.