票号的组织架构与风险防范论文.docVIP

　　票号的组织架构与风险防范论文 摘要：晋商是中国历史上存在时间长达500年之久的商帮，在长期的经商过程中，晋商积累了大量资本和经营管理经验，富甲海内。票号无疑是晋商发展最光彩的辉煌时期。票号实行所有权与经营权的分离，东家作为所有者不参与票号的经营与管理。东家最主要的责任就是选一个德才兼备的大掌柜，然后全权授权经营。票号的组织管理实行总号集权制、总号统辖分号制。票号组织机构，一直保持因事设人、精简高效原则。总号统管分号一切，从分号机构的设立.freele for 500 years long time business gang,in longterm does business in the process,the Jin business accumulated the massive capitals and the management and operation experience,rich armor oney shop is ost honored magnificent time.The money shop implements the property rights and the right of management separation,the master does not participate in the money shop as the oanagement and the management.The master most main responsibility elects the big storekeeper anagement.The money shop organization manages implements the head office collection authority and legality,the head office governance semicolon system.The money shop organizations and agencies,maintain continuously because of events suppose the human,the simplification highly effective principle.The head office manages semicolon all,from semicolon organization establishment,to semicolon manager and the important partner friend candidates appointment,dispatches,determined by the head office.The head office and the semicolon relations are extremely close.The money shop in under the plenary poanagement government structure,.freelanagement guard system.This set of system including organization construction,to managers employment,staffs management,finance and accounting system,forgeryproof system,as . Keyoney shop Organization construction Risk guard 1.历史背景 中国漫长的封建社会曾有过相当发达的商品经济，必然有为之服务的金融业。中国封建社会中金融业的包括典当、印局、钱庄、账局和票号。票号从事大宗存贷款及银钱汇兑，产生于道光初年。票号的产生是历史发展的必然结果，产生于晋商也有其历史必然性。晋商是中国历史上存在时间最长、也是最成功的商帮，在长期的经商过程中，晋商积累了大量资本，富甲海内。晋商奉行“以义制利”，其诚信和商德饮誉海内外。资本、信誉和分号正是金融业成功的基础，晋商在票号产生前的典当、印局、钱庄和账局的经营中都相当成功，这是票号产生于晋商的基础。 票号出现后经历发展、辉煌与衰亡的不同阶段。1823~1853年是票号的形成时期。1853~1863年是票号受太平天国起义打击的受挫时期。1863~1893年是票号的鼎盛时期。这一时期，票号的业务由以商人为主要客户转向以政府财政汇兑和贷款为主，票号的业务和利润大增。1893~1911年是票号的危机时期，20世纪初的战乱和动荡沉重打击了票号，随着清王朝的衰亡，使严重依赖清