试论民国时期外国在华有奖储蓄会

Study on Foreign Premium Savings Society in Republic of China

以万国储蓄会为代表的外国在华有奖储蓄会,通过有奖储蓄吸取了近代中国大量的民间资金,盛极一时。外国有奖储蓄会所具有的投机性和欺骗性使得储户深受其害,也严重影响了中国金融秩序的稳定和社会经济的发展,引发了社会舆论的猛烈抨击和南京国民政府的取缔行动。然而,出于外交上的压力和现实利益的考量,国民政府最终未能彻底贯彻外国在华有奖储蓄会的取缔政策。

The Foreign premium savings society represented by the International Savings Society, absorbed a lot of folk funds by way of premium savings in modem China. Depositors suffered deeply from speculative and deceptive of the foreign premium savings society, in addition, the foreign premium savings society seriously affected the stability of Chinese financial order and the development of social economy, which lead to criticism of social public opinion and the ban policy of the Nanjing National Government. However, for diplomatic pressure and the need of real interest, the National Government failed to ban foreign premium savings society completely.