山西票号为何与现代银行失之交臂——社会断层发展角度的理解

Why Shanxi Draft Bank Fails to Be Reorganized as Modern Banking——Interpretation of Society Topographic Development

山西票号衰亡的原因一直是学界讨论的焦点。关注山西票号中后期发展的社会背景,并将票号置于这样的环境下观察票号之命运。借鉴“地质断层”的现象,提出“社会断层发展”的概念,发现清末“社会断层发展”的时代背景对票号衰亡有更大的影响。该论点与已有的研究,即认为票号保守顽固导致失败的结论有所不同。

Cause for Shanxi Draft Bank decline has always been under the spotlight of discussion. This article Focuses on the social background during the middle and later periods of Shanxi Draft Bank development and observes its destiny under given circumstances, Raises the concept of “social development fault”, compares the inconformity of social development as geological fault, and puts forward that the “social development fault” during late Qing Dynasty might be the major cause for Draft Bank decline. This argument differs from existing studies which claim the conservatism and stubbornness lead to the fall of Shanxi Draft Bank.