The principle is capable of indefinite expansion. The writer once lived in a Chinese village, where there was a "Bowl Association," owning 100 or 200 bowls which were rented to those who had occasion for a feast, at such a rate as to be remunerative to the owners, and at the same time more economical to the householder than the purchase of a great number of dishes for which on ordinary occasions he would have no use.
[Illustration: TEMPORARY FUNERAL PAVILION.]
Societies for the assistance of those who have funerals are of common occurrence, and are of many different kinds. There is special reason for the organization of such leagues (called _pai-shê_), since, while weddings may be postponed until suitable arrangements can be made, it is generally difficult, and sometimes impossible, to do the same with a funeral.
Sometimes each family belonging to the league pays into the common fund a monthly subscription of 100 cash a month. Each family so contributing is entitled upon occasion of the death of an adult member of the family (or perhaps the older generation only) to draw from this fund, say, 6,000 cash, to be used in defraying the expenses. If there is not so much money in the treasury as is called for by deaths in families of the members, the deficiency is made up by special taxes upon each member. According to a plan of this sort, a subscriber who drew out nothing for five years would have contributed the full amount to which he is entitled, without receiving anything in return. A mutual insurance company of this nature is probably entered into on account of the serious difficulty which most Chinese families experience in getting together ready money. From a financial point of view there may be nothing saved by the contribution, but practically it is found to be easier to raise 100 cash every month, than to get together 6,000 cash at any one time.
Another form of mutual assistance in the expenses of funerals is the following: A man whose parents are well advanced in life knows that he may at any time be called upon to spend upon the ceremonies at their death an amount which it will be difficult to raise. He therefore "invites an association" (_ch'ing hui_), each member of which is under obligation upon occasion of the death of a parent to contribute a fixed sum, say 2,000 _cash_. The membership will thus be composed exclusively of those who have aged parents. The number of names may be forty, which would result, whenever a call shall be made, in the accumulation of 80,000 cash. With this sum a showy funeral can be paid for. It is customary to provide in the document which each signs, and which is deposited with the organizer of the association, that the funeral shall be conducted on a specified scale of expense, nor can the funds be diverted to any other use than for a funeral.
