近代中国银行与传统票号组织制度的差异及启示

现代银行与传统金融机构票号最大的区别在于组织形式的不同。具体表现在资本组织形式、内部治理结构、外部组织模式三方面。先进的组织制度使银行适应了商品经济发展的要求，而票号因制度守旧等原因则被历史所淘汰。研究两者组织制度方面差异，对于现今银行体制的改革，尤其完善股份制资本组织形式，构建有效的内部控制制度及优化分支行模式有重要的借鉴意义。

A Tentative Study on the Difference and Impact between the Bank Organization System of Modern Chinese History and the Exchange Shop

The Modern bank is the outcome of the Chinese finance industry modernizes. Its organizational form is different from traditional finance institution. There are three different aspects: capital organization form; internal organizational form; branch banking system. The main body of this article is drawn up the differences and impact from the three aspects.