聚兴诚银行的经营理念与特色（1937—1945）

发布时间：2019-01-04 11:47

【摘要】：重庆市扼守长江与嘉陵江的汇合处,交通便利,是长江沿岸的重要商埠之一,是整个四川商务交流的中枢,抗战后,重庆市更是成为了后方各省的要冲和金融中心。重庆银行在后方银行中占据着非常重要的位置,要研究抗战时期后方的银行,首先就要研究重庆的银行。有关抗战时期以重庆为中心的大后方金融研究,目前学术界尚薄弱。本文选择以重庆商业银行之一的聚兴诚银行为探讨对象,通过对重庆市档案馆馆藏聚兴诚银行档案和重庆银行公会档案及期刊、报纸等原始资料的搜集和整理,对聚兴诚银行的经营理念和特色进行拙论,以期能够对该领域有所贡献。聚兴诚银行是川帮银行之首,实力雄厚,影响深远,是商业银行的突出代表。聚兴诚银行本身的发展与抗日战争时期大后方金融的发展息息相关,为大后方经济的发展做出了贡献,同时也在金融界产生了巨大影响,成为了战时最具影响力的商业银行之一。理念上,聚兴诚银行以“不结交官僚,不卷入政治”为经商信条,以“恒信贞勤”为职志,以“便利人群,服务社会”为口号、诚信经商；杨粲三制定的人员管理制度和其任人唯贤的用人思想对聚兴诚银行的发展起到了重要作用,也为金融业培养了大量的人才。实践上,聚兴诚银行不断地寻找适合自身实际发展的途径与方法,将其理论付诸于实践,进行了组织形式变革和业务变革,突出了聚兴诚银行的特色,在诸多后方银行中独树一帜。抗战爆发后,原本欣欣向荣的景象被打破,战时经济十分动荡。聚兴诚银行在发展过程中经受了颇多的困难,迫使其不得不进行变革,以适应社会形势的变化。这一时期的变革主要有：(1)组织形式由股份两合公司改组为股份有限公司,引起了组织机构和资本的变革；(2)业务在重心、区域和范围上的变革。变革的原因主要在于：政治上,受到国民政府金融管制政策的限制和约束；经济上,受到大后方物价飞涨的影响,以及大批工业内迁所带来的大后方经济飞速发展之推动；此外,杨氏家族内部错综复杂、持续时间较长的家族矛盾也影响了聚兴诚银行业务的变革的方向和规模。在如此复杂的环境中,聚兴诚银行仍在其经营理念的指导下不断前进,成为西南地区最有影响力的商业银行之一,构成了西南金融网建设中重要的一部分,促进了西南经济的发展。因此,研究聚兴诚银行的经营理念和特色对于研究大后方金融,具有非常重要的地位。通过对聚兴诚银行经营理念和战前、战时业务特色的研究,可以得出如下启示：(1)银行的发展需要一套明确的、始终如一的、符合实际的经营理念,贯彻管理思想和经营观念,规范行为,以达到经营目标。(2)经济与金融唇齿相依,一旦金融出现困难,金融与经济相互协调必需国家适时适当的宏观调控和引导,特别是中央银行体系和监管制度的健全,正确处理金融、经济、国家宏观调控的关系。(3)在银行发展的过程中不容忽视同业公会对政府监管的补充作用。
[Abstract]:It is one of the important commercial ports along the Yangtze River, which is one of the important commercial ports along the Yangtze River, and is the backbone of the whole Sichuan business communication. After the Anti-Japanese War, Chongqing has become the capital and financial center of the rear provinces. The bank of Chongqing occupies a very important position in the rear bank. To study the bank in the back of the Anti-Japanese War, the bank of Chongqing will be first studied. The current academic circles are still weak in the research on the rear finance in Chongqing as the center during the Anti-Japanese War. This paper chooses the Bank of Chongqing, one of the commercial banks of Chongqing, as the research object, and through the collection and arrangement of the original data such as the archives of the Bank of Chongqing, the archives of the Bank of Chongqing and the archives and periodicals of the Bank of Chongqing, the management idea and the characteristics of the Bank of Chongqing, in ord to be able to contribute to that field. The Bank of the Bank of China is the head of the Bank of Sichuan, with strong strength and far-reaching influence, which is the outstanding of the commercial bank The development of the bank itself is closely related to the development of the post-war financial development in the period of the Anti-Japanese War, has made a contribution to the development of the great rear economy, and also has a great impact on the financial world, and has become the most influential commercial bank in the time of war. On the basis of the idea, the Bank of the People's Republic of China is not in the process of making the official business, and is not involved in politics as the business creeds. It is also important for the development of the bank by the people and the service society as the slogan and the good faith. The personnel management system developed by the Yang and the people's personnel and the people's personnel are important to the development of the Bank of the People's Republic of China. It's also a great deal for the financial sector. In practice, the Bank of Polyxing is constantly looking for ways and methods suitable for the actual development of the self, putting the theory into practice, carrying out organizational form change and business change, and highlighting the characteristics of the Bank of Polyxing and in many rear banks. After the outbreak of the Anti-Japanese War, the scene of the original euphoria was broken, and the wartime was In the process of development, the bank has experienced considerable difficulties, forcing it to change and adapt to the society The change of the situation is mainly as follows: (1) the organizational form is reorganized into a joint stock limited by the two-in-one company, resulting in the change of the organization and the capital; (2) the business is in the center of gravity, the region and the norm The cause of change mainly lies in the limitation and restriction of the financial control policy of the national government in politics, the influence of the soaring commodity price and the rapid development of the great rear economy brought by the large-scale industrial transfer, and the Yang's family The complex and long-lasting family contradiction has also affected the change of the banking of the company. In such a complex environment, the Bank of Polyxing continues to move forward under the guidance of its business philosophy, and becomes one of the most influential commercial banks in the southwest, which constitutes an important part of the construction of the southwest financial network and promotes the southwest. Therefore, it is very important to study the management idea and characteristics of the Bank of Polyxing, which is of great importance to the research of the backward finance. The important status of the bank is as follows: (1) The development of the bank needs a clear, consistent and realistic management idea, and carries out the management thought and the passage through the research of the business characteristics of the pre-war and wartime business. the concept and the behavior of the camp in ord to achieve that objective of operation, (2) the economic and financial lip is dependent, and once the financial situation is difficult, the financial and economic coordination must be in due time with the appropriate macro-control and guidance of the state, in particular the integrity of the central bank system and the regulation system, and the financial, economic and state should be properly handled The relationship between the macro-control and the macro-control of the family. (3) In the process of the development of the bank, the same trade association should not be ignored
【学位授予单位】：西南大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：F832.9;K265

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