1912-1945年保定工商业借贷研究

发布时间：2018-04-24 09:30

本文选题：借贷 + 工商业　；参考：《河北大学》2012年硕士论文

【摘要】：保定作为近代内陆没落的政治型城市，民国时期的经济日呈衰落之势。在社会动荡不安的环境中，城市工商业遭受了巨大损失，陷入了空前的困境中。工商业亟需获得金融支持。当时，，旧式金融机构日趋衰落，对工商业的发展很难起到促进作用。银行等新式金融机构虽然逐渐取得了金融市场的主导地位，但由于其在地域分布上的严重不平衡和种种规制，也影响了其对工商业资金支持的效果。民国时期，保定传统商业占统治地位的现状决定了信用借贷在整个社会借贷体系中的作用。但随着社会经济的日渐衰败，金融机构为降低放款风险，抵押借贷在工商业借贷中越来越居主要地位。随市场形式而变动的借贷利率，到日伪时期不断高涨，加速了保定工商业及金融业的衰败。融资渠道的困难构成保定工商业发展的最主要瓶颈，而工商业的不振使保定在近代发展严重滞后，成为地位向下发展的少数城市之一。
[Abstract]:Baoding, as a political city in modern times, had a declining trend of economy in the period of the Republic of China. In the environment of social unrest, urban industry and commerce suffered huge losses and fell into unprecedented predicament. Business is in dire need of financial support. At that time, the decline of old-style financial institutions made it difficult to promote the development of industry and commerce. Although new financial institutions such as banks have gradually gained the dominant position in the financial market, because of their serious imbalance in regional distribution and various regulations, they have also affected the effect of their financial support to industry and commerce. During the period of the Republic of China, the dominant status of Baoding's traditional commerce determined the role of credit lending in the whole social lending system. But with the decline of society and economy, mortgage lending is becoming more and more important in industrial and commercial lending in order to reduce the risk of lending. Borrowing rates, which varied with the market form, rose rapidly during the period of Japanese puppet, which accelerated the decline of Baoding's industry, commerce and finance. The difficulty of financing channels constitutes the main bottleneck of the development of industry and commerce in Baoding, and the lack of industry and commerce makes Baoding one of the few cities with a downward development status, which lags behind the development in modern times.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：K26;F832.4

【参考文献】