As far as I know, the history of money banks should be earlier than that of money banks, and the biggest difference between them lies in the scope of services. In other words, money deposited locally cannot be withdrawn in other places, while money banks are closer to modern banks and can realize the function of remote access. They are networked financial institutions, which greatly facilitated the businessmen at that time and avoided all kinds of difficulties and dilemmas in the banking industry.

First of all, most banks and banks operate on a small scale, and most of the funds are family-owned, some of them are family-owned, and few of them raise funds extensively, while most banks in western countries raise funds extensively at the same time. The business of money houses and banks was limited to domestic business, while most banks in western countries had cross-border business at that time. Secondly, banks and bank deposits account for a small proportion of productive capital turnover, especially because the lending interest rate is high (generally about two ten thousandths of an annual interest rate), and less loans are used for production. In other words, the business and production of banks are out of line. This seriously limits the expansion of business scope. Finally, the personnel composition and management of banks and banks are of a strong feudal nature. Its personnel relationship depends on blood, clan, master and servant, master and apprentice, etc. Its management is also family management. The heyday of Qianzhuang Qianzhuang was a period after the Opium War. With the emergence and development of domestic banking, they also declined because they completed their historical mission.