20世纪20—30年代上海钱庄放款风险规避研究
发布时间：2019-07-09 20:43
【摘要】：中小企业融资难是中国经济发展中的一个长期性难题,主因之一是金融机构难以有效规避放款风险。对20世纪20—30年代上海钱庄业规避放款风险的情况进行考察发现,上海钱庄充分利用钱业公会的权威性,制定周密且富有操作性的制度规则对贷款风险进行管理,同时辅以同业督导和劝诫,保证了钱庄业整体放款的安全。在每一笔具体放款中,通过审慎的态度、周密的调查获取充分的"软信息",是钱庄能有效规避放款风险的关键所在。对近代上海钱庄规避放款风险的研究,能为当前银行业规避中小企业放款风险提供经验借鉴。
[Abstract]:The financing difficulty of small and medium-sized enterprises is a long-term problem in China's economic development, one of the main reasons is that financial institutions are difficult to effectively avoid the risk of lending. Based on the investigation of the situation of Shanghai Qian Zhuang Industry avoiding the loan risk in the 1930s, it is found that the Shanghai Bank makes full use of the authority of the money Industry Association to formulate careful and operational institutional rules to manage the loan risk, and at the same time, with the supervision and admonition of the same industry, ensures the safety of the whole loan of Qian Zhuang Industry. In each specific loan, it is the key for banks to effectively avoid the risk of lending through careful attitude and careful investigation to obtain sufficient "soft information". The research on avoiding the loan risk of modern Shanghai banks can provide experience for the current banking industry to avoid the loan risk of small and medium-sized enterprises.
【作者单位】： 中山大学;浙江大学宁波理工学院;
【基金】：国家社会科学基金重大项目“近代中国金融市场发展与运行研究”(16ZDA133) 广州市哲学社会科学发展“十三五”规划课题“企业信息披露对融资成本影响的研究:基于投资者有限关注的视角”(2016GZQN13)
【分类号】：F832.9
本文编号：2512436
[Abstract]:The financing difficulty of small and medium-sized enterprises is a long-term problem in China's economic development, one of the main reasons is that financial institutions are difficult to effectively avoid the risk of lending. Based on the investigation of the situation of Shanghai Qian Zhuang Industry avoiding the loan risk in the 1930s, it is found that the Shanghai Bank makes full use of the authority of the money Industry Association to formulate careful and operational institutional rules to manage the loan risk, and at the same time, with the supervision and admonition of the same industry, ensures the safety of the whole loan of Qian Zhuang Industry. In each specific loan, it is the key for banks to effectively avoid the risk of lending through careful attitude and careful investigation to obtain sufficient "soft information". The research on avoiding the loan risk of modern Shanghai banks can provide experience for the current banking industry to avoid the loan risk of small and medium-sized enterprises.
【作者单位】： 中山大学;浙江大学宁波理工学院;
【基金】：国家社会科学基金重大项目“近代中国金融市场发展与运行研究”(16ZDA133) 广州市哲学社会科学发展“十三五”规划课题“企业信息披露对融资成本影响的研究:基于投资者有限关注的视角”(2016GZQN13)
【分类号】：F832.9
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