殖边银行研究

发布时间：2018-08-05 12:38

【摘要】：民国初期,由于国外银行制度思想在我国的不断传播,国内出现了一股兴办银行业的高潮,各种新式银行陆续建立。受日本成功兴办特种银行的影响,这一时期,北洋政府也开始在国内兴办各种特种银行。其中,以支持国家移民实边政策、辅助政府调剂边疆金融为宗旨的殖边银行,就是很有代表性的一家。在政府实行移民实边政策的大背景下,徐绍桢等人于民国元年开始筹备建立殖边银行,中经国会停顿,历时十七个月,才得到政府批准。该行于1914年11月22日正式成立,总行设在北京,资本额2000万元,以辅助政府调剂边疆金融,并贷款于沿边实业为宗旨。殖边银行建立初期,业务蒸蒸日上,分行、支行遍布全国各地,然而,在事业正欲扩张之时,由于其上海分行的倒闭,信誉受损,殖边银行后期一直处于艰难维持之中,虽有多次整顿计划,但终因其上海分行债务过巨,未能成功。1925年12月,由于积案所累,殖边银行被查封,其前后存在时间十载有佘。本文拟运用历史学的研究方法,并结合金融学、货币银行学等学科的知识,对殖边银行进行个案研究,主要就该行的成立情况、组织机构、营业概况及倒闭原因等展开论述,力求客观、详尽地叙述和阐释殖边银行的整个历史脉络,再现殖边银行的兴衰史,从中吸取经验教训,为我国现代银行业建设提供历史借鉴。文章共分四部分。第一部分,介绍殖边银行的筹设过程。包括该行成立的历史背景、近代以来我国专业银行思想的发展以及殖边银行的整个筹设经过。第二部分,介绍殖边银行的组织与管理。包括该行的决策机构、执行机构、监督机构以及各部门的科室设置。第三部分,介绍殖边银行的营业状况。包括主要的营业种类、营业网点建设、主要营业线的设置,同时对具体的各项业务情况分别进行阐述和分析。第四部分,介绍殖边银行的整理和倒闭。1916年,由于殖边银行上海分行行挤兑风潮的发生,致使该行信誉严重受损,1925年12月,受积案所累,该行被查封。该部分重点分析了该行倒闭的原因。结语部分,对该行的经营历史做一简单评价,重点指出殖边银行的兴衰历史对现代银行业的启示。
[Abstract]:In the early period of the Republic of China, due to the spread of the thought of foreign banking system in our country, there was a climax of establishing banking in China, and various new types of banks were established one after another. Under the influence of the successful establishment of special banks in Japan, the Beiyang government began to set up special banks in China. Among them, to support the national immigration policy, to assist the government to adjust border finance as the purpose of the colonial banks, is a very representative. Against the background of the government implementing the policy of immigration, Xu Shaozhen and others began to prepare for the establishment of the colonial bank in the first year of the Republic of China. The Congress halted the establishment of the bank, which lasted 17 months before it was approved by the government. The bank was formally established on November 22, 1914, the head office in Beijing, the capital of 20 million yuan, to assist the government to adjust the frontier finance, and loans to the border industry as the purpose. In the early days of the bank's establishment, its business was booming, with branches and branches all over the country. However, as the cause was about to expand, due to the collapse of its Shanghai branch and the loss of its credibility, the bank had been struggling to maintain it in the latter part of the year. Although there were many rectification plans, it was not successful because of the huge debts of its Shanghai branch. In December 1925, due to the accumulation of cases, the Zhumibian Bank was closed down, and the bank existed before and after ten days. This paper intends to use the research methods of history and combine the knowledge of finance, monetary banking and other disciplines to carry out a case study on the bank, mainly on the establishment of the bank, organization, business situation and the reasons for its failure, etc. Try to describe and explain the whole history of the bank objectively and in detail, reproduce the rise and fall history of the bank, draw lessons from it, and provide historical reference for the modern banking construction of our country. The article is divided into four parts. The first part introduces the process of bank planning. It includes the historical background of the bank's establishment, the development of the thought of professional bank in our country since modern times, and the whole process of establishing the bank. The second part introduces the organization and management of the bank. Including the bank's decision-making organs, executive bodies, oversight agencies and departments of the establishment. The third part, introduces the business situation of Zhumibian Bank. Including the main types of business, business network construction, the establishment of the main line of business, at the same time the specific business situation are described and analyzed. The fourth part introduces the collation and bankruptcy of Zhumibian Bank. In 1916, due to the bank run on Shanghai Branch, the reputation of the bank was seriously damaged. In December 1925, the bank was closed down because of the accumulated cases. This part focuses on the reasons for the bank's collapse. In the conclusion part, the author makes a brief evaluation of the bank's operating history, and points out the enlightenment of the bank's rise and fall history to the modern banking industry.
【学位授予单位】：河北师范大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：K258;F832.9

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