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以自负盈亏为考量的民营银行,以盈利为目标,在日常经营活动中把竞争作为一种自身生存发展所必要的手段,在特定条件下还可能陷入恶性竞争的漩涡中。近代的民营银行在民国初年就曾出现过过度竞争的现象,由此导致了银行的大规模倒闭。1912~1927年设立的185家银行中倒闭135家,倒闭率达到73.7%;南京政府成立之后,倒闭率有所下降,但也达到了30%以上。如此高的倒闭率,在任何一国的银行业发展史上都是难以想象的。民国时期银行的
Private banks that take sole responsibility for profit and loss as the target, regard profit as a necessary measure for their own survival and development in daily business activities and may also fall into the vortex of vicious competition under certain conditions. In modern times, private-owned banks experienced over-competition in the early years of the Republic of China, which led to the bankruptcy of large-scale banks. Of the 185 banks set up between 1912 and 1927, 135 closed down with a closing rate of 73.7%. After the Nanjing government was established, the collapse rate dropped but it reached more than 30%. Such a high rate of bank closures is unthinkable in the history of any country’s banking industry. During the Republic of China