The reason why a Confucian scholar can make such achievements is that Wu and Zhu Xiuhai think that besides talent, Qiao Zhiyong brought the generosity and kindness of Confucianism to business. The most conclusive evidence we can see now is the epitaph erected after Qiao Zhiyong's death. According to the Five Classics Theory, Qiao Zhiyong's tomb is still in Qiaojiabao Village, and his epitaph is buried in the tomb. Qiao Zhiyong's epitaph has not been found yet. The words on the tomb table were written by Chang Zanchun, granddaughter of Qiao Zhiyong, a cultural celebrity of the Republic of China. He described the family situation of Qiao Zhiyong when he was a child. He was forced to take over the family business because he wanted to pass the imperial examination, and he was very successful under the guidance of Confucianism. As a businessman, Qiao Zhiyong still has books such as Four Books and Five Classics Historical Records, and he will stand up for social disasters. Zhu Xiuhai said: "The people are more important than the king." This is the people-oriented thought in Qiao Zhiyong's mind. "
At that time, the Luchun tea market in Qixian County was very large in Shaanxi, and it was the main transit market for tea in the south. After that, the traditional tea road will be divided into two ways: one is to go to Tacheng and Chaketu in Xinjiang via the west exit; The second is to go to the northeast via Zhangjiakou. The long tea road, from Wuyi Mountain in the south to the hinterland of Mongolia, is related to the livelihood of countless tea workers, boatmen, camel teams and Shanxi merchants. Zhu Xiuhai said that Qiao's monofilament tea business is directly or indirectly related to the livelihood of tens of thousands of people. The Silk Road is to transport silk from Huzhou to Luzhou, Shanxi, and make it into silk. The hardships and dangers of business travel began to make Qiao Zhiyong gradually realize the important role of the draft bank.