近代上海钱庄的信用研究及对现阶段民间金融信用的启示

【作者】 王静；

【导师】 施正康；

【作者基本信息】 复旦大学 ， 经济史， 2008， 硕士

【摘要】 信用是我国传统文化的重要组成部分,它广泛存在于社会生活的各个角落。当前我国处于社会主义市场经济中,市场经济就是信用经济。然而自20世纪80年代以来,信用成了一种特别稀缺的资源,使用信用的环境恶化。计划经济向市场经济的转轨,打乱了长期生活、行动于计划经济下的人们的思想观念和行为习惯,传统文化中优秀的诚信、礼义等规范被淹没在尚不成熟的市场经济的物欲横流中,经济生活中的失信行为大量涌现,商业欺诈、逃废债务等现象严重影响了我国经济的发展,成为市场经济秩序混乱的主要根源。上海钱庄是我国近代重要的民间金融机构,它在发展过程中非常注重信用理念,信用表现在许多方面。正是由于信用的使用,既确立了上海钱庄在近代社会中的地位,又对当时资本主义经济的发展起了重要的推动作用,并弥补和促进了新式银行信用的发展。从当前的研究来看,上海钱庄信用的研究寥寥无几。上海钱庄为何注重信用,都有哪些信用表现?这些问题值得研究。我国目前正处于金融体制改革的过程中,民间金融作为正规金融的补充,对民营经济的发展起了重要的推动作用,但是其信用存在许多问题,建立规范的民间金融信用迫在眉睫。通过上海钱庄信用的研究,不仅能够了解当时上海钱庄的信用状况,而且对我国目前的民间金融信用建设具有很高的借鉴意义。全文分四章和结语共五个部分。第一章绪论,介绍了本文的选题背景及意义、文献综述、研究思路和内容结构、本文的创新点及不足;第二章信用概论及传统的信用思想,首先界定了信用的概念和信用的基本组成要素,继而介绍了我国传统的信用思想及其作用;第三章近代上海钱庄的信用,首先简单介绍上海钱庄,继而说明上海钱庄重视信用的原因,重点分析了信用的表现,最后指出了上海钱庄信用的作用;第四章对现阶段民间金融信用的启示,主要分析了民间金融信用的特点和存在的问题,并对民间金融信用建设提出了建议,特别是从上海钱庄的信用中得到的启示;结语部分给出了全文的总结,信用体系的建立迫在眉睫,上海钱庄信用的研究很有必要,这有利于建立民间金融的信用体系。更多还原

【Abstract】 Credit is one of the most important parts of traditional cultures of our country, it exists in every corner of lives. Now our economy is market economy, market economy is credit economy. Since 1980, trust has been an exiguous resource, credit circumstance is from bad to worse. From planned economy to market economy, people’s ideology and custom have being changed, good credit and courtesy are in the immature market economy, many discreditable behavior appear, for example commercial cheating, escaping debit etc, they all influenced economic development, disturb the economic order.Shanghai native bank was the important finance organization of modern society. It gave emphasis on credit management, credit expressed in many aspects. Because of credit, Shanghai native bank not only had important status in finance, but also accelerated the capitalistic economy development, supplemented and speeded the credit of new style bank. At present, there is few research on credit of shanghai native bank. Why Shanghai native bank emphasized credit? How many aspects expressed credit? These questions need answer. Now we are reforming our financial system, private finance speed the normal finance, driving the private enterprises development, but there are some problems on its credit. Researching shanghai native bank credit not only help us know its credit, but also private finance credit can learn from Shanghai native bank credit.The whole article includes 4 chapters and conclusion. Chapter one is an introduction. It introduces the background and the meaning of this study, some theories about Shanghai native bank credit and presently private finance credit, the thought, the contents, several innovations and lacks of this study. In Chapter two, I introduce credit conspectus and traditional credit ideology. Firstly I introduce credit definition, and its composing factors. And then describe traditional culture of credit and its function. In Chapter three, researching Shanghai native bank credit. Firstly I simply introduce Shanghai native bank, then analyze why it paid attention to credit, give emphasis to where expressed credit, lastly describe Shanghai native bank credit’s effect. Chapter four is suggestions to the private finance credit learnt from Shanghai native bank credit. I analyze the private finance credit and its problem, put up some suggestions on building credit of private finance, especially from Shanghai native bank. The end is the conclusion of this study, credit system need establish, it is necessary to research on Shanghai native bank’s credit, this can help improve the private finance’s credit.更多还原