继承与创新:上海钱庄制度的演化及启示(1840—1927)

Inheritance and Innovation:Evolution and Enlightenment of System of Shanghai Native banks(1840—1927)

近代上海钱庄在市场主导的金融制度环境中,与各类金融机构建立了合作融资关系,经营规模不断扩大,绩效显著。这主要是上海钱庄在发展中形成的企业惯例部分地因适合环境需要,在自我复制、演化中得到继承发展;部分地在原有惯例的基础上,进行了适应环境的创新,推动了钱庄的繁荣。惯例的继承与创新,不仅表现在业务经营制度方面,还表现在组织管理制度、票据清算制度等方面。

Under the market-based financial environment, Shanghai native banks had been expanding operation scale and had remarkable achievement by establishing cooperative relations with other financial institutions. One reason was that the conventions of Shanghai native banks due to adapting to the environment was self-evolving and was then passed down. The other reason was that the conventions had to adapt to the environment and innovate based on the previous practice. Inheritance and innovation of conventions is manifested not only in business system, but also in organization and management system, clearing system of negotiable instruments and so on.