Test analysis: This question examines students' ability to remember basic knowledge and new situations. During the Ming and Qing Dynasties, urban commerce still showed a prosperous scene. During the Ming and Qing Dynasties, regional merchant groups appeared, which were called "business gangs". Among them, Huizhou merchants and Shanxi merchants have the largest number and the strongest strength. So choose D.
Comments: Characteristics of ancient commercial development:
(1) Business developed continuously after it came into being, and it was unprecedentedly prosperous in the Song and Yuan Dynasties;
(2) Domestic trade and foreign trade are prosperous in an all-round way;
The government gradually relaxed the restrictions on business, but the long-term policy of emphasizing agriculture and restraining business hindered the rapid development of business;
(4) commerce is always a supplement to the natural economy and does not dominate.