制度供给不足与山西票号的衰亡  

Insufficient Institutional Supply and the Decline of Shanxi Draft Banks

作　　者：张宇丰[1] 

机构地区：[1]山西大学晋商学研究所,山西太原030006

出　　处：《经济问题》2015年第10期124-128,共5页On Economic Problems

基　　金：教育部人文社会科学规划基金项目"近世以来的财政体系与金融发展--基于山西票号和英格兰银行发展路径的比较研究"(07JA790003)

摘　　要：山西票号的衰亡原因探究,历来倍受学术界关注。但是将票号作为市场主体,研究政府制度供给与票号发展之间的关系学界则鲜有涉及。山西票号作为传统金融中最重要的经营主体,在隐性契约下已经开始充当"国家的银行"、"发行的银行"、"银行的银行",但均因合法性不足而宣告流产。当新式银行创立并获得法定的近代金融业主体地位后,山西票号自然难逃衰亡命运。The academic world pays close attention to the reasons why Shanxi Draft Banks has declined all through the time. This essay holds the idea that the vital reason for this decline is the insufficient institutional supply. Being the most important management bodies in traditional finance,Shanxi Draft Banks began to serve as the Bank of the Nation,Bank of Issue,and also Bank of the Banks under unwritten agreements; However,all of these have been aborted because of a lack of law support. When new banks has been founded and has obtained the leading status of modern financial industry,fate of becoming feeble for Shanxi Draft Banks could not be avoided.

关 键 词：山西票号 制度供给 金融机构 近代化 

分 类 号：F832.9[经济管理—金融学]