基于共生视角的票号与钱庄关系研究

发布时间：2018-05-05 13:53

本文选题：票号 + 钱庄　；参考：《山西财经大学》2017年硕士论文

【摘要】：目前我国金融体系逐渐成熟,金融机构设立的种类和数量也在不断增加,形成了以商业银行为主体,多种金融机构分工协作的金融中介体系。金融机构之间的竞争日益激烈,主要表现在不同商业银行规模差距明显,银行间合作不足,产品同质化。同时外资银行、互联网金融的兴起对商业银行形成了挑战。回顾历史中国有着适合封建经济体系的传统金融业,其中影响较大的是票号与钱庄。钱庄为满足银钱兑换先产生,票号适应埠际之间扩大的商品贸易产生。票号自产生、发展、盛极、危机、衰落,与钱庄大致并行一百年,两者在业务上、资金上有联系,不是孤立发展的。以往学者对钱庄与银行关系研究成果较丰富,但是对票号与钱庄的关系研究较少,散落在文献的篇章、段落中,本文运用金融共生理论,对票号和钱庄这两个金融共生单元进行研究。“共生”一词来源于生物学,指生物体除了竞争之外还存在相互依存,形成共同生存、协同进化的关系。后来学者们进一步将共生理论引入更多的学科如建筑学、管理学、经济学……金融机构进行信用创造和金融服务,调节社会资金供应和需求自然处于各种共生关系中。票号与钱庄在业务关系、资金往来方面形成共生关系。本文分析了影响票号与钱庄共生模式的政治、法律、经济、文化环境,认为票号与钱庄既有竞争也有合作,合作能够产生新的能量,新能量在双方分配不均,合作关系不稳定,合作的程度、范围都有限,缺乏共同应对外来势力、抵御金融风潮的共同行动,共生模式上属于间歇性、非对称互惠共生模式。通过研究票号与钱庄的金融共生关系,我们可以得出一些经验和教训,商业银行之间、商业银行与非银行金融机构之间,应当在合作中竞争,双方合作能够优势互补,产生新的共生能量,优化共生模式,向一体化、对称性互惠共生模式发展,双方互利共赢,提高整体竞争力。
[Abstract]:At present, the financial system of our country is gradually mature, and the types and the number of the financial institutions are also increasing, forming a financial intermediary system with commercial banks as the main body and various financial institutions cooperating in the division of labor. The competition among financial institutions is becoming more and more fierce, mainly reflected in the obvious difference in scale between different commercial banks, insufficient cooperation between banks and homogenization of products. At the same time, the rise of foreign banks and Internet finance has challenged commercial banks. In retrospect, China has a traditional financial industry suitable for feudal economic system. In order to meet the demand for silver exchange, the bank first produced, and the ticket number adapted to the expanding commodity trade between ports. Since the emergence, development, prosperity, crisis, decline, roughly parallel with the money bank for a hundred years, the two in business, financial links, not isolated development. In the past, scholars have done a lot of research on the relationship between banks and banks, but there are few studies on the relationship between banks and banks, which are scattered in the chapters and paragraphs of the literature, this paper uses the theory of financial symbiosis. This paper studies the two financial symbiotic units, namely, the ticket number and the money bank. The term "symbiosis" comes from biology and refers to the interdependence of organisms in addition to competition, which forms the relationship of co-existence and co-evolution. Later, scholars further introduced symbiotic theory into more disciplines such as architecture, management, economics. Financial institutions create credit and financial services and regulate the supply and demand of social funds in a variety of symbiotic relationships. Ticket and bank in business relations, capital exchanges to form a symbiotic relationship. This paper analyzes the political, legal, economic and cultural environment that influences the symbiotic model between the ticket number and the money bank. It is believed that the ticket name and the bank have both competition and cooperation, and that cooperation can produce new energy, the new energy is unevenly distributed between the two sides, and the cooperative relationship is unstable. The degree and scope of cooperation are limited, lack of joint action to deal with foreign forces and resist financial turmoil, symbiotic mode belongs to intermittent, asymmetric reciprocal symbiosis mode. By studying the financial symbiotic relationship between the ticket numbers and the banks, we can draw some experiences and lessons. Commercial banks, commercial banks and non-bank financial institutions should compete in the cooperation, and the cooperation between the two sides can complement each other's advantages. Generating new symbiotic energy, optimizing symbiotic mode, developing towards integration, symmetrically reciprocal symbiotic mode, mutual benefit and win-win, improving the overall competitiveness.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.9

【参考文献】