Historically, the decline of Shanxi merchants, who have been brilliant for hundreds of years, is due to the rise of government-run banks, the inflow of foreign capital and the menacing foreign goods from foreign firms. Foreign comprador enjoys many privileges and manipulates prices. Monopoly market is one of the reasons why national capitalists and their businesses, including Shanxi businesses, have suffered huge losses. Secondly, the competition of foreign forces may not be able to quickly occupy the market that Shanxi merchants have firmly taken root, and there is a lot of room for Shanxi merchants with hundreds of years of business experience to be active. International commercial capital can not completely replace national capital, but the real fatal blow to Shanxi businessmen is years of war. More than a century's war hindered China's economic progress and eventually destroyed Shanxi businessmen. With the social unrest and warlord scuffle in successive years after the Revolution of 1911 overthrew the Qing Dynasty, especially the collapse of the Qing government, a number of Shanxi firms and banks closed down one after another. In addition 19 17, the outbreak of the Russian October Revolution also caused Shanxi merchants to lose the huge market for trade with Russia and Mongolia, which caused a famous blow to Shanxi merchants. By the end of 19 and the beginning of the 20th century, Shanxi merchants had basically ended their glorious history of 500 years.

The management mode of "share participation and dividends" is to link the interests of employees with the interests of the firm to develop and consolidate the industry. There are two kinds of top stocks in Shanxi commercial bank: one is the body stock, which only contributes and does not pay. The second is silver stocks, which only contribute money and do not contribute. Both stocks are entitled to share the dividend.