大毘盧遮那成佛經疏 2.50

2.50

第廿一「云何商人心？謂順修初收聚後分拆法」者，如世商人先務儲聚貨物，然後思惟分析之：「此物當某處用，彼物當某處用，可得大利。」若行人先務內外學問，令周備已方復籌量：「此是世典，當如是處用。此二乘法用，應接某人。此大乘資糧，是某緣所要。」此名商人心。亦由先習使然也。修捷疾智，是彼對治。謂隨聞何法，即應觀彼因緣事用，豈待多聞蓄聚方求用處耶？

Twenty-first: regarding "What is the merchant mind? It means according with and cultivating the dharma of first gathering and later distributing": like merchants in the world who first devote themselves to accumulating goods and then reflect on and distribute them, saying, "This item should be used in such a place, and that item should be used in that place, to gain great profit." If a practitioner first devotes themselves to internal and external studies so that they are fully prepared, and only then deliberates: "These are worldly scriptures, to be used in such a place; these are teachings of the two vehicles, to receive such a person; these are provisions of the Mahāyāna, required for such a condition"—this is called the merchant mind. It is also brought about by previous habits. Cultivating swift wisdom is its antidote. That is to say, as soon as one hears any dharma, one should immediately contemplate its causes, conditions, and practical application; why wait until one has accumulated extensive learning before seeking places to apply it?