钱庄的金融中介职能研究

发布时间：2018-07-18 15:43

【摘要】：银行是金融中介机构的典型代表,在将储蓄转化为投资的金融过程中,金融中介起到了重要的作用,高效完善的金融中介体系对社会资金进行有效配置起到了重要的推进作用。然而我国目前的金融中介机构以国有大型商业银行一家独大,在对金融资源进行分配的过程中首先考虑行政影响,加上金融中介垄断程度较高,导致我国金融中介效率较低,民营中小企业一直面临着融资难的问题。方面中小企业面临着融资难的问题,另一方面,又因为大型商业银行存款利率较低,有大量的民间富余资本想要寻找投资出路,这说明在我国的金融体系中缺乏适当的金融中介机构,将民间资金的所有方和需求方联系起来。事实上,在近代中国,就有这样一种非银行民营金融中介机构,那就是钱庄。钱庄起源于明代中叶,鸦片战争后,上海开埠通商,对外贸易迅速发展,带动了钱庄的繁荣。此后几十年里,钱庄一直是中国金融市场上的一支重要力量,与外资银行、华资银行形成三足鼎立的局面,钱庄在近代中国的繁荣说明了发展多样化金融中介机构的重要性。钱庄虽然只是历史名词,但其本身已经具有了一些现代金融中介机构的因素,又由于钱庄是从中国传统社会的土壤中成长起来的,兼具传统和现代化因素,研究钱庄的金融中介职能特点对于我国如何发展完善适合本国国情的金融中介机构体系具有很好的借鉴意义。
[Abstract]:Bank is a typical representative of financial intermediary organizations. In the process of transforming savings into investment, financial intermediation plays an important role, and the efficient and perfect financial intermediation system plays an important role in the effective allocation of social funds. However, at present, the large state-owned commercial banks are the dominant financial intermediaries in our country. In the process of allocating financial resources, the administrative influence is considered first, and the monopoly degree of financial intermediation is relatively high, which leads to the low efficiency of financial intermediation in our country. Small and medium-sized private enterprises have been faced with the problem of financing difficulties. On the other hand, because the deposit interest rate of large commercial banks is relatively low, a large amount of private surplus capital wants to find a way out for investment. This indicates that there is a lack of appropriate financial intermediaries in our financial system to link all the parties and the demand side of private funds. In fact, in modern China, there is such a non-bank private financial intermediary, that is the bank. Qianzhuang originated in the middle of Ming Dynasty. After the Opium War, Shanghai opened ports for trade and foreign trade developed rapidly, which led to the prosperity of the banks. In the following decades, the bank has been an important force in the Chinese financial market. The prosperity of the bank in modern China shows the importance of developing diversified financial intermediary institutions. Although it is only a historical term, it already has some factors of modern financial intermediation, and because it has grown up from the soil of Chinese traditional society, it has both traditional and modern factors. The study of the function of financial intermediation is of great significance to the development and improvement of the financial intermediation institution system in our country.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.9

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