The Study On Development Of Chinese Banks Issue

Bank is peculiar to our country financial organization, as a typical form of traditional financial institutions in China, its emergence, development, decline and withdrew from the historical stage, has experienced more than hundred years.After the opium war, China was gradually reduced to a semi-colonial and semi-feudal society, capitalism factors also flocked to come in, Banks in order to adapt to the needs of the development of social economy, the business content has changed too. And from the opium war to the second opium war, the Sino Japanese war, the war of aggression against China and even the eight of the second world war,all of these have a certain influence on the development of bank, and ultimately led to the decline of Banks. In 1840-1840, this article will analysis the development course of this period our country bank, to explore the characteristics of its own, as well as the problems existing in the development of, and the cause of the bank turns and twists development during this period were analyzed, and finally analyses the development experiences and lessons of the bank, and draw enlightenment on financial institutions,private capital financial industry in our country.The first part of the article first introduces the selected topic background and research significance of this article, the research framework of this paper is given, and reviews the academic research on this issue, and points out the innovations and shortcomings of this article; the second part analyzes the development of Banks in China from 1840 to 1937 and characteristics. In this paper, the development of the bank is divided into four periods, respectively is preliminary development stage(1840-1894), the collapse of agitation stage(1894-1911), the recovery stage(1911-1927), the decline stage(1927-1937); And combined with the characteristics of the historical data and data from one source: bank development road is tortuous,fashion when failure; The development of bank deeply influenced by external environment; The content of the bank business has obvious change; Banks and other financial organizations and foreign firm increasingly closely; Bank of comprador forces occupies a pivotal position. The third part of this article analyzes the1840-1937 the main problems existing in the development of a private bank in our country. This part from through the analysis of the problems existing in the bank itself,and that the main problems with long-term form of speculative entrenched; The contact of the organization is loose, and the business range is narrow; Heavy credit light mortgage credit business; Too dependent on foreign capital bank in foreign firm and; Low quality of employees. The fourth part of this article from 1840 to 1937 bank of tortuous development in China is analyzed. In this chapter, not only analyzes the problems existing in the bank itself, and the external environment, analyze the factors affecting the development of Banks. This paper argues that the cause of the tortuous development mainly include four aspects, respectively, the invasion of imperialism and economic recession. The new bank and the impact of foreign financial power;The national government to the financial control and monopoly; Bank’s own system is not sound and the low management level. The fifth part of this paper is 1840-1937,our country bank development experience and lessons and enlightenment. First analyzed the experience to the development of the bank: assess the situation and seize the opportunity is very important to the development of the bank; Keep the traditional advantage is the foundation of the Banks to survive; Strengthen the relationship with other financial organizations can greatly extend their business scope; And put forward a lesson should be: bank ingrained speculative direct impact on the development of its normal business; Banks rely too much on external funding, make its development too subject to external factors; Bank staff quality restricts its development; The bank management system is not sound affected its development; Finally it is concluded that financial institutions, private capital of our country financial industry in the future development: the development of financial institutions to adapt to the direction of the country’s social economy development. The internal and external environmental factors to a large extent determines the development direction of financial institutions;Management system and management system of complete is a sound financial enterprises is the basis of the survival and development; Innovation is important in the development of financial enterprises forward momentum; A high level of talent reserve is the important foundation of financial enterprises bigger and stronger. The last part is the conclusion of this article.