本文關(guān)鍵詞：商業(yè)網(wǎng)絡(luò)、信貸約束和低質(zhì)量陷阱——從茶棧放款制度看近代上海茶葉貿(mào)易　出處：《史林》2017年04期 　論文類型：期刊論文

  更多相關(guān)文章： 商業(yè)網(wǎng)絡(luò) 信貸約束 低質(zhì)量陷阱 茶棧放款

【摘要】：憑借商業(yè)網(wǎng)絡(luò)、專業(yè)知識等優(yōu)勢,上海茶棧設(shè)計了適合近代中國商業(yè)習(xí)慣的放款制度,使金融業(yè)最大程度地參與到對外貿(mào)易中,并最大限度地降低了放款風(fēng)險。但茶棧放款也引致一系列負(fù)面影響,茶葉質(zhì)量低劣程度加劇是其中之一。為攫取利益和規(guī)避風(fēng)險,茶棧強制性要求借款者保證最低數(shù)量的茶葉供給,在此信貸約束下,制茶號利用一切機會進行低劣產(chǎn)制,以保證數(shù)量供給和實現(xiàn)成本轉(zhuǎn)移,導(dǎo)致茶農(nóng)的獲利空間被極大擠壓,致使他們粗放生產(chǎn),形成惡性循環(huán)。同時,既有金融的內(nèi)在缺陷、茶棧與制茶號之間難以構(gòu)建長期業(yè)務(wù)關(guān)系和外部性選擇等因素,引致了更深層次的信貸約束,使制茶號得不到用于改進茶葉質(zhì)量所需的長期貸款,抑制了茶葉質(zhì)量改進,嚴(yán)重影響了中國茶葉的國際競爭力。
[Abstract]:Relying on the advantages of commercial network and professional knowledge, Shanghai Tea House designed a lending system suitable for modern Chinese commercial habits, which made the financial industry participate in foreign trade to the greatest extent. And to minimize the risk of lending. But the tea house lending also led to a series of negative effects, the worsening of the quality of tea is one of them. In order to seize the benefits and avoid risks. Under this credit constraint, tea-making companies take advantage of all opportunities to make inferior tea production to ensure quantity supply and achieve cost transfer. As a result, the profit space of tea farmers is greatly squeezed, resulting in their extensive production, forming a vicious circle. At the same time, there are inherent financial defects. It is difficult to construct long-term business relationship and external choice between tea shop and tea making, which leads to deeper credit constraints, which makes tea making company not get the long-term loan needed to improve tea quality. The improvement of tea quality has been restrained and the international competitiveness of Chinese tea has been seriously affected.
【作者單位】： 中山大學(xué)管理學(xué)院;浙江大學(xué)寧波理工學(xué)院商學(xué)院;
【基金】：浙江省哲學(xué)社會科學(xué)規(guī)劃后期資助(16HQZZ19) 國家社會科學(xué)基金重大項目“近代中國金融市場發(fā)展與運行研究”(16ZDA133) 廣東省哲學(xué)社會科學(xué)規(guī)劃項目(GD16XYJ25) 廣州市哲學(xué)社會科學(xué)發(fā)展“十三五”規(guī)劃課題(2016GZQN13)階段性成果
【分類號】：F729;F832.9;K25
【正文快照】： 行棧作為一種中間商組織,普遍存在于近代中外貿(mào)易中,發(fā)揮著重要的市場功能。其中,向銀錢業(yè)借款,轉(zhuǎn)貸給往來商人是其核心功能之一。通過轉(zhuǎn)貸,行棧使金融業(yè)資金廣泛滲透到中外貿(mào)易資金鏈中,一定程度上緩解了近代中國農(nóng)村資金匱乏的局面。“蓋經(jīng)營較大之商業(yè),如絲繭茶米之商人,在，

本文編號：1398708