“储蓄”一词最早出现在战国时代,至于成为专门办理储蓄业务的机构,大致起源于唐代。由于唐代的商业发达,城市里不仅大量出现了经营借贷业务的质库,还出现专门替人寄存、保管钱物的柜坊。到了明代,由于金、银、钱、纸币兑换的需要,出现了许多专门从事钱币兑换的人,并以此为业,开立钱铺,这也就是最早的钱庄,亦称票号或银号。它不仅是经营白银和铜钱置换的场所,一些规模较大的钱铺还开出具有信用票 “Savings ” first appeared in the Warring States Period, as a special deposit-taking business agencies, generally originated in the Tang Dynasty. Due to the commercial development in the Tang Dynasty, not only a large number of quality libraries for lending and borrowing business appeared in the cities, but also specialized counter warehouses for storing and keeping money. In the Ming Dynasty, due to the need of gold, silver, money and banknotes exchange, many people who specialized in money exchange appeared as their own, opening money stores. This is also the earliest bank, also known as the banknote or bank code . It is not only a place to run silver and copper money to replace some of the larger money shop also opened with a credit