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18 sept 1865 año - 股份制（金融创新）创建于16实际远洋贸易，分担风险，共享收益股份制与银行对接，现代经融帮助银行完成又一次飞跃职业银行家出现，维护信誉不再是道德约束，渗透到公司治理结构中汇丰银行成立，股份制商业银行，苏格兰人苏石兰，总部香港

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