金城银行的放款与投资研究（1917—1937）

【作者】 诸静；

【导师】 吴景平；

【作者基本信息】 复旦大学 ， 中国近现代史， 2004， 博士

【摘要】 金城银行是中国金融史上著名的“北四行”的主要支柱，是旧中国重要的商业银行之一。从成立到抗战爆发前二十年，金城奠定其事业基础并获得了较快发展。金城银行的放款、投资业务是同时期的华资银行中发展比较快的一家。北洋时期金城银行通过大量放款及初步的投资与工商界尤其是北方工商界建立了密切的联系。南京国民政府建立后，金城对有关企业尤其是工业企业的直接投资有很大的增加，与投资企业间的资金合作关系也更为固定化、长期化。金城的铁路放款和承募铁路债券在华资银行中极为突出，后期还常常担任借款银行团的代表行，在有关的投放活动中承担重要角色。金城还是政府放款及从事债券经营较多的银行之一。三十年代在农业放款和小本贷款业务方面金城也走在前列。南京国民政府建立后金城银行将其业务重心逐渐南移，但从总体上看，这二十年金城的放款、投资业务还是以北方为主。以这些业务活动为主要凭借，金城在华北金融界发挥着广泛的影响力，占据着重要地位。通过放款与投资，金城银行对农、工、商等业的发展起了一定的辅助作用，并对铁路、公路等交通事业及公用事业的开发建设做出了一定的贡献。而它在此类业务开展过程中所积累的经验和创新对于今天的金融改革和银行建设、对于现实的经济发展仍然有着重要的借鉴意义，显示出银行只有始终坚持为社会服务的宗旨和稳健经营的方针，注意根据社会发展需要和自身情况的变化不断进行制度改革、业务开拓及经营策略上的创新，并努力将自身的发展与社会经济的需要紧密结合起来，才能在竞争中处于有利地位，获得源源不断的发展动力。更多还原

【Abstract】 Kin Cheng Banking Corporation was a main pillar for the historically famous "Four Northern Banks" as well as one of the most important commercial banks in China before Liberation. From its establishment to the beginning of the War of Resistance Against Japan, Kincheng laid down its fast foundation and achieved rapid development. Kincheng’s business of loan and investment developed rather rapid among its contemporaries. During Beiyang Warlord period, Kincheng struck up close contact with industry and commerce circles, especially in north China, by extending huge loans and initial investments. After the Nanjing Nationalist Government was founded, Kincheng increased its direct investments to related enterprises, esp. industrial enterprises, and thus consolidated and stabilized its cooperation with them. Kincheng’s performance in making loans and recruiting bonds for railways has been outstanding among the Chinese modem banks. Later on, Kincheng acted as the representative for the loaning bank group and played an important role in extending loans. Kincheng was also one of those banks which dealt much with government loans and bonds. What’s more, Kincheng held a leading place in extending loans to agriculture and small businesses. After the Nanjing Nationalist Government was founded, Kincheng gradually shifted its key business toward south China. While on the whole, Kincheng’s business was still dominant in north. By means of its business, Kincheng held an important post and exerted far-reach influence in the financial circles in north China. With its loans and investments, Kincheng made its considerable contributions to agriculture, industry, commence as well as railway, roads and other public projects. The experience Kincheng accumulated through its management is still instructive and beneficial for today’s financial reforms, bank constructions and economy developments. It shows that banks can hold an advantageous post and obtain continuous stimuli for developments only when they keep to the principles of serving the society, managing stably, reforming in line with the social needs and their own situations always associated self-development with the needs of economy and society.更多还原