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A money changer is a person who exchanges the coins or currency of one country for that of another. This trade is thought generally to be the origin of modern banking in Europe. The advent of paper money in the mid-17th century and the development of modern banking and floating exchange rates in the 20th century allowed a foreign exchange market to develop. This provided a way for banks and other specialist financial companies such as bureaux de change and forex brokers to easily change one country's money for another, and with the added confidence of transparency. The 20th century also saw the development of machines that would change money, such as coin dispensers and change machines. ==History== In ancient times in Jerusalem, pilgrims visiting the Jewish Temple on Jewish Holy Days would change some of their money from the standard Greek and Roman currency for Jewish and Tyrian money, the latter two the only ones accepted as payments inside the Temple.〔Sanders, E. P. The historical figure of Jesus. Penguin, 1993.〕〔Ehrman, Bart D.. Jesus, Interrupted, HarperCollins, 2009. ISBN 0-06-117393-2〕 With this Temple money the pilgrim would purchase a sacrificial animal, usually a pigeon or a lamb, in preparation for the following day's events. During the middle ages in Europe, many cities and towns issued their own coins, often carrying the face of a ruler, such as the regional baron or bishop. When outsiders, especially traveling merchants, visited towns for a market fair, it became necessary to exchange foreign coins to local ones at local money changers. Money changers would assess a foreign coin for its type, wear and tear, and validity, then accept it as deposit, recording its value in local currency. The merchant could then withdraw the money in local currency to conduct trade or, more likely, keep it deposited: the money changer would act as a clearing facility. In the market, most large transactions were done not by cash or coins, but by transfer order of funds on the books kept at the local money changers. After a market or fair ended, merchants gathered at the local money changers and withdrew their deposit in their own respective currencies. The rates of exchange between different foreign currencies and the local one were fixed between the opening and the closing days of the market. As the size and operations of money changers grew they began to provide a lending facility, by adding the lending-fee to the foreign exchange rates. Later the Knights Templar provided this service to pilgrims traveling to and from the Holy Land.〔Martin, Sean (2005). The Knights Templar: The History & Myths of the Legendary Military Order. p. 47, New York: Thunder's Mouth Press. ISBN 1-56025-645-1.〕〔Nicholson, Helen (2001). The Knights Templar: A New History. p. 4, Stroud: Sutton. ISBN 0-7509-2517-5.〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Money changer」の詳細全文を読む スポンサード リンク
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