同裕　第四回　一紙匯票渡危城

咸豐二年冬，太平軍沿江東下，長江商道受阻且銀箱因戰亂停運，同裕商號漢口分號面臨商戶沈瑞昌與黃永順提出「漢口收銀、江寧兌銀」的匯票需求。為證明紙能代銀，總號少東周啟謙說服母親王淑貞撥出私房銀作為首票備付底金，並在嚴格的兩級覆核制度下開出首票。然而匯票抵達江寧後，分號堅持「舊票先於新票、小戶先於大戶」的兌付原則，並因副封受損與抄報遲延而嚴格核對，導致大戶因等候錯失商機並自負差價。雖然兩票最終兌清、底金歸匣，但東家周承源直言這並非成功，因為商戶承擔了等待代價且分號也錯失其他機會；且危局中「帳若先燒，再真的票也成孤紙」，更揭示了亂世中守帳與守信的無比維艱。 https://www.poliecon.com -- Hosting provided by SoundOn

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同裕　第四回　一紙匯票渡危城

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