本文選題：票號(hào) + 錢莊　； 參考：《山西財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：目前我國(guó)金融體系逐漸成熟,金融機(jī)構(gòu)設(shè)立的種類和數(shù)量也在不斷增加,形成了以商業(yè)銀行為主體,多種金融機(jī)構(gòu)分工協(xié)作的金融中介體系。金融機(jī)構(gòu)之間的競(jìng)爭(zhēng)日益激烈,主要表現(xiàn)在不同商業(yè)銀行規(guī)模差距明顯,銀行間合作不足,產(chǎn)品同質(zhì)化。同時(shí)外資銀行、互聯(lián)網(wǎng)金融的興起對(duì)商業(yè)銀行形成了挑戰(zhàn)。回顧歷史中國(guó)有著適合封建經(jīng)濟(jì)體系的傳統(tǒng)金融業(yè),其中影響較大的是票號(hào)與錢莊。錢莊為滿足銀錢兌換先產(chǎn)生,票號(hào)適應(yīng)埠際之間擴(kuò)大的商品貿(mào)易產(chǎn)生。票號(hào)自產(chǎn)生、發(fā)展、盛極、危機(jī)、衰落,與錢莊大致并行一百年,兩者在業(yè)務(wù)上、資金上有聯(lián)系,不是孤立發(fā)展的。以往學(xué)者對(duì)錢莊與銀行關(guān)系研究成果較豐富,但是對(duì)票號(hào)與錢莊的關(guān)系研究較少,散落在文獻(xiàn)的篇章、段落中,本文運(yùn)用金融共生理論,對(duì)票號(hào)和錢莊這兩個(gè)金融共生單元進(jìn)行研究�！肮采币辉~來源于生物學(xué),指生物體除了競(jìng)爭(zhēng)之外還存在相互依存,形成共同生存、協(xié)同進(jìn)化的關(guān)系。后來學(xué)者們進(jìn)一步將共生理論引入更多的學(xué)科如建筑學(xué)、管理學(xué)、經(jīng)濟(jì)學(xué)……金融機(jī)構(gòu)進(jìn)行信用創(chuàng)造和金融服務(wù),調(diào)節(jié)社會(huì)資金供應(yīng)和需求自然處于各種共生關(guān)系中。票號(hào)與錢莊在業(yè)務(wù)關(guān)系、資金往來方面形成共生關(guān)系。本文分析了影響票號(hào)與錢莊共生模式的政治、法律、經(jīng)濟(jì)、文化環(huán)境,認(rèn)為票號(hào)與錢莊既有競(jìng)爭(zhēng)也有合作,合作能夠產(chǎn)生新的能量,新能量在雙方分配不均,合作關(guān)系不穩(wěn)定,合作的程度、范圍都有限,缺乏共同應(yīng)對(duì)外來勢(shì)力、抵御金融風(fēng)潮的共同行動(dòng),共生模式上屬于間歇性、非對(duì)稱互惠共生模式。通過研究票號(hào)與錢莊的金融共生關(guān)系,我們可以得出一些經(jīng)驗(yàn)和教訓(xùn),商業(yè)銀行之間、商業(yè)銀行與非銀行金融機(jī)構(gòu)之間,應(yīng)當(dāng)在合作中競(jìng)爭(zhēng),雙方合作能夠優(yōu)勢(shì)互補(bǔ),產(chǎn)生新的共生能量,優(yōu)化共生模式,向一體化、對(duì)稱性互惠共生模式發(fā)展,雙方互利共贏,提高整體競(jìng)爭(zhēng)力。
[Abstract]:At present, the financial system of our country is gradually mature, and the types and the number of the financial institutions are also increasing, forming a financial intermediary system with commercial banks as the main body and various financial institutions cooperating in the division of labor. The competition among financial institutions is becoming more and more fierce, mainly reflected in the obvious difference in scale between different commercial banks, insufficient cooperation between banks and homogenization of products. At the same time, the rise of foreign banks and Internet finance has challenged commercial banks. In retrospect, China has a traditional financial industry suitable for feudal economic system. In order to meet the demand for silver exchange, the bank first produced, and the ticket number adapted to the expanding commodity trade between ports. Since the emergence, development, prosperity, crisis, decline, roughly parallel with the money bank for a hundred years, the two in business, financial links, not isolated development. In the past, scholars have done a lot of research on the relationship between banks and banks, but there are few studies on the relationship between banks and banks, which are scattered in the chapters and paragraphs of the literature, this paper uses the theory of financial symbiosis. This paper studies the two financial symbiotic units, namely, the ticket number and the money bank. The term "symbiosis" comes from biology and refers to the interdependence of organisms in addition to competition, which forms the relationship of co-existence and co-evolution. Later, scholars further introduced symbiotic theory into more disciplines such as architecture, management, economics. Financial institutions create credit and financial services and regulate the supply and demand of social funds in a variety of symbiotic relationships. Ticket and bank in business relations, capital exchanges to form a symbiotic relationship. This paper analyzes the political, legal, economic and cultural environment that influences the symbiotic model between the ticket number and the money bank. It is believed that the ticket name and the bank have both competition and cooperation, and that cooperation can produce new energy, the new energy is unevenly distributed between the two sides, and the cooperative relationship is unstable. The degree and scope of cooperation are limited, lack of joint action to deal with foreign forces and resist financial turmoil, symbiotic mode belongs to intermittent, asymmetric reciprocal symbiosis mode. By studying the financial symbiotic relationship between the ticket numbers and the banks, we can draw some experiences and lessons. Commercial banks, commercial banks and non-bank financial institutions should compete in the cooperation, and the cooperation between the two sides can complement each other's advantages. Generating new symbiotic energy, optimizing symbiotic mode, developing towards integration, symmetrically reciprocal symbiotic mode, mutual benefit and win-win, improving the overall competitiveness.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.9

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