摘要
20世纪20年代末期,资金短缺使得中国农村陷入严重的经济危机。有鉴于此,1932年上海商业储蓄银行试办通过信用合作社向农村提供贷款。上海商业储蓄银行的档案材料显示,该行制定的信用合作社规章中,包含信用合作社内部的监督机制,以及银行对信用合作社的约束机制,这为银行规避了农村贷款的风险。虽然上海商业储蓄银行通过信用合作社向农村贷款的时间不长,但取得了值得肯定的业绩。这项实践所带来的启示是:在农村金融体系欠缺的情况下,培育信用共同体是推动正规金融机构向农村配置资金的策略之一;农村金融服务应切合农村经济发展的需求;农村金融制度改进是持续性的,不仅需要安定的社会环境,也离不开经济、制度环境保障。
In the late 1920 s,China faced the problem of capital shortage in rural area.Under such circumstances,Shanghai Commercial Savings Bank loaned to farmers by credit cooperatives in 1932,and this business has achieved good results.From the archives material of this bank,we can find a supervision mechanism of the credit cooperatives,and another supervision mechanism between the credit cooperatives and the bank,both of the two supervision mechanisms avoided moral hazard of the borrowers.The enlightenments derive from this business as below：Firstly,in order to promote formal financial institution loan in rural areas,credit community should be established.Secondly,rural financial services should meet the needs of the development of rural economy.Thirdly,it is a continuous work to improve the rural financial system.It needs not only stable social order,but also economic and institutional environment.
出处
《上海经济研究》
CSSCI
北大核心
2016年第7期112-119,共8页
Shanghai Journal of Economics
基金
中国博士后科学基金面上资助项目"微金融:起源
发展与走势"(编号:2016M591145)
关键词
上海商业储蓄银行
中国近代金融史
农村信用合作社
Shanghai Commercial and Savings Bank
Chinese Modern Financial History
Rural Credit Cooperatives
