浅析近代钱庄未能蜕变为新式银行的内在因素

发布时间：2018-06-13 03:48

本文选题：钱庄 + 银行　；参考：《生产力研究》2011年02期

【摘要】：清代末年至民国初年,中国钱庄业曾蓬勃发展,盛极一时,但到了20世纪30年代初,曾经辉煌的钱庄业迅速衰落。钱庄业执掌中国金融界百年之久,但始终未曾蜕变为新式银行,除了世界经济危机的冲击、国民政府法币改革等外部因素之外,钱庄本身的因素以及当时社会环境的保守倾向也值得我们探讨。在组织方面,传统的合伙制以及无限责任经营方式无法使其吸收大批投资人,有碍钱庄扩大股份,以形成上规模的股份公司的形态。此外,社会经济形态的传统性,社会态度的保守倾向,家族中心组织上的限制,社会责任心的缺乏等因素,都在阻碍钱庄蜕变为新式银行,因此不可避免地归于消亡。
[Abstract]:From the end of Qing Dynasty to the beginning of the Republic of China, China's money bank industry developed rapidly and flourished for a while, but by the early 1930s, the once brilliant bank industry had declined rapidly. Although the banking industry has been in charge of China's financial sector for a hundred years, it has never changed into a new type of bank. Besides the impact of the world economic crisis, the reform of the national government's legal currency, and other external factors, The factors of the bank itself and the conservative tendency of the social environment at that time are also worth discussing. In the aspect of organization, the traditional partnership and unlimited liability management mode can not absorb a large number of investors, which hinders the bank to expand its shares to form the form of a large joint-stock company. In addition, the traditional form of social economy, the conservative tendency of social attitude, the restriction of family central organization and the lack of social responsibility are all hindering the transformation of money bank into new type bank, so it is inevitable to die out.
【作者单位】：南开大学经济学院;
【分类号】：F832.9

【共引文献】