Credit transactions made through bills issued by exchangers were indispensable for large-amount transactions in chogin and tobangin which required the cumbersome valuation of silver by weight.
丁銀、豆板銀による大口取引は秤量の煩わしさを伴うことから両替商を通じて行われる手形による信用取引は不可欠なものとなった。