四川美丰银行研究（1922-1950）

发布时间：2018-07-05 05:18

本文选题：四川美丰银行 + 管理制度　；参考：《西南大学》2013年硕士论文

【摘要】：目前学术界,对民国时期重庆地区银行研究较为薄弱。本文以四川美丰银行为研究对象,通过对重庆市档案馆馆藏四川美丰银行档案和康心如回忆录,以及民国时期有关的经济类文献、报纸等原始资料的分析梳理,希望对民国时期重庆地区银行的研究有所贡献。四川美丰银行从1922年到1950年共经营28年,作为民营商业银行,其最根本的目的是为了获取最大利润。在中美合资时期,四川美丰银行照搬美国式银行管理制度,重视“以法治行,以章理行,以心用人,以信待人”的经营理念,制度化、人性化的管理为四川美丰银行的长期发展奠定基础,业务经营中因地制宜,立足合资银行性质,经营发钞业务,中西合璧,改善经营方式,在重庆金融界站稳脚跟。华商独资时期,四川美丰银行在总经理康心如领导下,与军阀结盟,为军阀服务的同时,受军阀庇护,享有特权,在政治势力的荫蔽下,发展壮大。抗战爆发后,随着国内形势的变化,四川美丰银行积极调整业务重心,适应市场形势,响应国家号召,合理运营资金,为抗战大后方的经济建设起了积极作用。四川美丰银行的最终停业,既是国民政府各项金融政策和通货膨胀作用的结果,也有其经营管理不当的原因。四川美丰银行制度的建立,性质的转变和业务的调整,适应了当时国内政治形势的需要,迎合了国内市场的需求,体现了民国时期民营商业银行的共性。四川美丰银行的研究,对民国时期西南金融发展研究具有重要意义。通过对四川美丰银行的分析研究得出启示,银行的经营发展离不开对金融市场的了解,国内政策形势的把握和自身合理的管理经营方法。抗战以前,国民政府对西南地区金融市场管理力度有限,金融市场混乱,私营金融机构利用国家政策间隙获取利润,抗战以后,国民政府内迁,适时的管制政策和引导,促进了大后方金融行业的规范化经营,但国民政府后期恶性通货膨胀政策,加速国民政府衰落,部分私营银行也随之消亡。在维持市场自由竞争的同时,适度的政府引导有利于国家经济发展,如何维持二者之间的平衡,引人深思。
[Abstract]:At present, the research on Chongqing regional banks in the period of the Republic of China is relatively weak in academia. This article takes Sichuan Meifeng Bank as the research object, through the analysis to the Chongqing archives collection Sichuan Meifeng bank archives and Kang Xinru's memoirs, as well as the related economic literature, the newspaper and so on primitive material in the Republic of China period. Hope to contribute to the study of Chongqing regional banks during the Republic of China. Sichuan Meifeng Bank was operated for 28 years from 1922 to 1950. As a private commercial bank, its fundamental purpose is to obtain maximum profit. During the Sino-American joint venture period, Sichuan Meifeng Bank copied the American style bank management system, attached importance to the business philosophy of "rule by law, using rules, employing people with heart, and treating people with faith". The humanized management lays the foundation for the long-term development of Sichuan Meifeng Bank. It bases on the nature of the joint venture bank, manages the banknote issuing business, combines Chinese and western countries, improves the management mode, and stands firmly in the financial circles of Chongqing. Under the leadership of General Manager Kang Xinru, Sichuan Meifeng Bank, under the leadership of General Manager Kang Xinru, allied itself with warlords, served warlords, was sheltered by warlords, enjoyed privileges, and grew stronger under the shadow of political forces. After the outbreak of the War of Resistance against Japan, with the change of domestic situation, Sichuan Meifeng Bank actively adjusted the center of business, adapted to the market situation, responded to the call of the state, reasonable operation funds, and played a positive role in the economic construction of the rear area of the War of Resistance against Japan. The final closure of Sichuan Meifeng Bank is not only the result of the national government's various financial policies and inflation, but also the reason of its improper management. The establishment of Sichuan Meifeng Bank system, the transformation of its nature and the adjustment of its business have met the needs of the domestic political situation at that time, catered to the needs of the domestic market, and embodied the commonness of the private commercial banks in the period of the Republic of China. The research of Sichuan Meifeng Bank is of great significance to the study of southwest financial development during the Republic of China. Through the analysis and study of Sichuan Meifeng Bank, the author draws the conclusion that the bank's management and development can not be separated from the understanding of the financial market, the grasp of the domestic policy situation and its own reasonable management and management methods. Before the War of Resistance against Japan, the National Government had limited management of the financial markets in the southwest region, and the financial markets were chaotic. Private financial institutions made use of the gap between state policies to make profits. After the War of Resistance against Japan, the National Government moved inside, timely control policies and guidance. It promotes the standardized management of the financial industry in the rear area, but the hyperinflation policy of the National Government in the late period accelerates the decline of the National Government, and some private banks also die out. While maintaining free market competition, moderate government guidance is conducive to national economic development. How to maintain the balance between the two is thought-provoking.
【学位授予单位】：西南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：K26;F832.9

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