The Crisis And Coping Of Chinese Modern Bank

Banking history is an important field of economic history, the banking crisis is unavoidable problems during the development process of Chinese modern banks, and many scholars had investigated about this problem at different degrees from different angles. However, most research just from the overall or the view of subject, and the analysis of the concrete banking crisis or case study are relatively lacked. In the research method, it is also a lack of research combined with other disciplines and distinguishes authenticity or fake of historical datum, and usually view the banking crisis as general problem of banks, let alone to analyze on coping measures of the banking crisis.Zhongfu bank was the family-owned bank of enterprise group surnamed Sun in Shouzhou of Anhui province at Mingou period, which had experienced three times different crises successively in the development process. The causes and treating processes of these crises all showed very strong representativeness. The first of Zhongfu Bank was the crisis about controlling rights. The bank realized the transformation from an officer-owned bank to family-owned bank after crisis. The Second crisis was managerial crisis, whose cause and process reflected the deep problems and contradictions in Chinese modem bank management. The third crisis was political crisis, whose coping process embodied the weak power and the hard plight of the Chinese modem Bank during in the confliction between it and government, and helpless ending that it had no alternative but to make some sacrifices for seeking "political backer"to resolve the crisis. So this paper plans to views Zhongfu bank as the research object, discusses some questions and handling that enterprise had encountered in the social environment at that time by the case study form, and tries to find out some regularities.The following problems are mainly found in this paper: Various types of crisis in Chinese modem banks were different from the bank's general questions, which were a certain degree of results and reflection caused by accumulating of all sorts of problems inside and outside the bank, including social reasons which played a leading role. The general way to deal with crises of the bank was bank's owners had made a choice between the rights and profits of the bank and their own, and the cost they paid largely depended on the economic and social strength of the bank owner's.