中国传统金融机构性质及其转化的几个问题  

The Nature and Transformation of Traditional Financial Institutions in China

作　　者：刘秋根[1] LIU Qiugen(Center for Studies of Song History,Hebei University,Baoding,Hebei 071002,China)

机构地区：[1]河北大学宋史研究中心,河北保定071002

出　　处：《保定学院学报》2023年第5期32-43,共12页Journal of Baoding University

摘　　要：清代中叶以后,中国传统金融机构开始向近代银行业转化,对此,我们必须区分货币经营机构向银行的进化与高利贷资本向近代借贷资本的转化两大历史进程。除了货币保管、簿记经常性的付款和计算、寄送差额或作为购买手段的货币、贵金属贸易等四种功能外,借贷也是货币经营资本的中介功能。在“中国早期银行业”形成过程中存款业务也发挥了重要作用。自清代中期以来,因为新的信用机制的培育,“中国早期银行业”已经不是一个地域性、机构性的偶发的存在,而是一个行业性、全国性的现象了。江南钱铺钱庄、宁波钱庄、归化宝丰社只是其中三个代表性的实例而已。After the middle period of Qing Dynasty,Chinese traditional financial institutions began to transform into modern banking.For this,we must distinguish between the evolution of Money agency into banks and the transformation of usury capital to modern lending capital,and discuss about it.In addition to custody of money,bookkeeping regular payments and calculations,delivery balance,trade in currencies and precious metals as means of purchase of four functions.Debit and credit are also the intermediary functions of money dealing capital.Deposit business also played an important role in the formation of"early banking in China".Since the middle of Qing Dynasty,"early banking in China"is no longer a regional and institutional accidental existence,but an industrial and national phenomenon.Jiangnan Money Shop,native bank,Ningbo native bank,and Guihua Baofeng agency are only three representative examples.

关 键 词：传统金融机构 银行业 信用 货币经营资本 存款 

分 类 号：K248[历史地理—历史学]