本文選題：借貸 + 工商業(yè)��； 參考：《河北大學(xué)》2012年碩士論文

【摘要】：保定作為近代內(nèi)陸沒落的政治型城市，民國(guó)時(shí)期的經(jīng)濟(jì)日呈衰落之勢(shì)。在社會(huì)動(dòng)蕩不安的環(huán)境中，城市工商業(yè)遭受了巨大損失，陷入了空前的困境中。工商業(yè)亟需獲得金融支持。當(dāng)時(shí)，，舊式金融機(jī)構(gòu)日趨衰落，對(duì)工商業(yè)的發(fā)展很難起到促進(jìn)作用。銀行等新式金融機(jī)構(gòu)雖然逐漸取得了金融市場(chǎng)的主導(dǎo)地位，但由于其在地域分布上的嚴(yán)重不平衡和種種規(guī)制，也影響了其對(duì)工商業(yè)資金支持的效果。民國(guó)時(shí)期，保定傳統(tǒng)商業(yè)占統(tǒng)治地位的現(xiàn)狀決定了信用借貸在整個(gè)社會(huì)借貸體系中的作用。但隨著社會(huì)經(jīng)濟(jì)的日漸衰敗，金融機(jī)構(gòu)為降低放款風(fēng)險(xiǎn)，抵押借貸在工商業(yè)借貸中越來(lái)越居主要地位。隨市場(chǎng)形式而變動(dòng)的借貸利率，到日偽時(shí)期不斷高漲，加速了保定工商業(yè)及金融業(yè)的衰敗。 融資渠道的困難構(gòu)成保定工商業(yè)發(fā)展的最主要瓶頸，而工商業(yè)的不振使保定在近代發(fā)展嚴(yán)重滯后，成為地位向下發(fā)展的少數(shù)城市之一。
[Abstract]:Baoding, as a political city in modern times, had a declining trend of economy in the period of the Republic of China. In the environment of social unrest, urban industry and commerce suffered huge losses and fell into unprecedented predicament. Business is in dire need of financial support. At that time, the decline of old-style financial institutions made it difficult to promote the development of industry and commerce. Although new financial institutions such as banks have gradually gained the dominant position in the financial market, because of their serious imbalance in regional distribution and various regulations, they have also affected the effect of their financial support to industry and commerce. During the period of the Republic of China, the dominant status of Baoding's traditional commerce determined the role of credit lending in the whole social lending system. But with the decline of society and economy, mortgage lending is becoming more and more important in industrial and commercial lending in order to reduce the risk of lending. Borrowing rates, which varied with the market form, rose rapidly during the period of Japanese puppet, which accelerated the decline of Baoding's industry, commerce and finance. The difficulty of financing channels constitutes the main bottleneck of the development of industry and commerce in Baoding, and the lack of industry and commerce makes Baoding one of the few cities with a downward development status, which lags behind the development in modern times.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：K26;F832.4

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