Money banks make money in much the same way as banks do today. They mainly make money by issuing loans and charging interest. However, early money banks did not charge interest to depositors. On the contrary, they charged storage fees.

After the middle of Ming Dynasty, a credit system appeared in China, which was the embryonic form of banks. It originated from the exchange of money, and then gradually developed into handling deposits and remittances. Different regions have different names, and there are other names according to the scale, such as bank number and money house. Zhuang Yinhao's business in different periods is different. As far as the Republic of China is concerned, some of them have been inherited from previous dynasties, mainly including the following four items.

Issue coupons with the nature of exchange coupons.

Yang Li he yin chai

Operating foreign exchange deposits, discounts, remittances and other credit businesses.