A zamanin daular Song ta arewa, wato a kimanin shekarar 960 zuwa ta 1127, harkokin cinikayya sun bunkasa sosai a birnin Chengdu da ke lardin Sichuan na kasar Sin. A lokacin, ana amfani da kudin da aka yi da karfe a wajen sayen kayayyaki. Amma kudaden da aka yi da karfe suna da nauyi, ga shi kuma ba su da daraja sosai, har ma an ce, a lokacin, idan ana son sayen yadi, to, tilas ne a dauki kudaden da nauyinsu ya kai kimanin kilogram 40. Ba sayen yadi ne kawai abin yake ba, kun ga idan an yi babban ciniki, akwai matsala sosai ga 'yan kasuwa.

A cikin irin wannan hali ne, wasu 'yan kasuwa suka kirkiro wata irin takardar kudi, don ta maye gurbin tsabar kudi. Irin takardar kudi ana kiranta kamar "Jiaozi", kuma ta kasance takardar kudi da aka fara amfani da ita a duk fadin duniya. "Jiaozi" ta samar da saukin ciniki tsakanin jama'a, an iya yin amfani da ita a kasuwanni, haka kuma aka iya musayarta da tsabar kudi.