银行公会的监管与风险防范机制研究(1917-1937)  

A Study of Regulatory and Risk Prevention System of Bank Guild (1917—1937)

作　　者：红花[1] 

机构地区：[1]中央财经大学金融学院,北京100081

出　　处：《内蒙古大学学报（哲学社会科学版）》2015年第2期95-99,共5页Journal of Inner Mongolia University(Philosophy and Social Sciences)

摘　　要：从晚清到国民政府,历届政府的权威性都比较微弱,中央银行制度始终未能建立。因此,银行业自发组织建立了中国近代的银行公会。银行公会为近代银行的稳定发展起到了关键性的作用,有效解决了银行业间的约束和自律问题,加强了银行业监督和管理,提高了银行经营管理的规范性,竭尽所能改善了近代银行的外部经营环境。银行公会从成立之日起着力维持银行业安全性和稳定性,制定各项行为规范,防范和规避银行面临的风险。银行公会为近代银行实现繁荣发展提供了初步的制度体系,并通过银行业间的联合运作提高了银行运行的安全性和资金管理的有效性,为近代银行综合实力的提升作出了积极的贡献。From the late Qing Dynasty to The National Government of Najing, the authority of successive governments are weak, and the central bank system has not been established. Therefore, the banking industry organized the establishment of a modern Chinese association of banks. The association of banks for the stable development of the modern banks played a key rote. Effectively solving the problem of the constraints between the banking and self-discipline, and strengthening the banking supervi- sion and management improved the bank operation and management of normalization. They did everything they can to improve the external management environment of modern banks. The association of banks from focusing on maintaining security and stability of the banking sector to developing the code of conduct, prevented and avoided the risks of banks, which provided a preliminary development and prosperity of modern bank implementation system. Besides, through the joint operation between the banking sec- tor improved the security of the bank run and the effectiveness of capital management. This made a positive contribution to the comprehensive strengthening of modern bank.

关 键 词：银行公会 近代银行 监管与风险防范 

分 类 号：F832[经济管理—金融学]