Jacques M. Downs ([1927-2006]) was Professor of History at the University of New England in Biddeford, Maine.Frederic D. Grant, Jr. is the author of The Chinese Cornerstone of Modern Banking: The Canton Guaranty System and the Origins of Bank Deposit Insurance 1780-1933.
The fullest exposition on the subject thus far and as the final word on extant, previously untapped, English-language sources. -- Eileen Scully The China Quarterly
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