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| 正面描述 | Central vignette at left consists of an oval frame enclosing a detailed view of the Temple of Heaven in Beijing. To the right, a large ornate guilloche panel bears the Chinese denomination characters 貳角 in the centre, with the bank name 行銀國中 in the upper border and subsidiary text below. Denomination numerals 貳角 are repeated in the right margins. Two manuscript signatures appear at the bottom, captioned GOVERNOR and MANAGER respectively. |
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| 背面铭文 | BANK OF CHINA КИТАЙСКIЙ БАНКЪ PROMISE TO PAY THE BEARER ON DEMAND AT ITS OFFICE HERE TWENTY CENTS NATIONAL CURRENCY SUBSIDIARY COINS SHANGHAI ХАРБИН 20 20 20 20 |
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The Bank of China's 1918 small-denomination issues were part of a broader push to consolidate the national banking system following the reorganization of the Ta-Ching Government Bank into the Bank of China in 1912. American Bank Note Company had a long relationship with Chinese banking institutions by this point, and the quality of their intaglio work on these fractional notes was markedly superior to contemporaneous domestic printing — a deliberate choice, as public confidence in paper money was still fragile after the currency chaos of the late Qing period.
Pick 49 is among the scarcer ABNC-printed Bank of China fractionals from this period, with genuinely circulated examples harder to locate than their face value would suggest.