四行储蓄会研究

四行储蓄会是北四行联营事业的附属储蓄机构,也是中国近代最大的储蓄银行。该储蓄会实行会员制的经营方式,所有客户均为会员,利息之外另以会员名义向客户支付红利,吸收了大量个人存款。在资金运用方面,该会主要办理存单质押放款和公债券投资业务。因经营灵活,四行储蓄会社会声望迅速提高,至20世纪30年代,甚至有超过北四行之势,社会上有"四行一会"之称,其独具特色的经营方式与成功经验值得研究。

Study of the Four-bank Deposit Association

The Four-bank Deposit Association was the subsidiary body of the Northern Four Bank Allied Corporation.The deposit association is managed through membership mechanism.All the clients are members,who shall,in addition to interest,shall receive dividend.As a result,a large amount of deposit has been collected.The association mainly put the deposits into loans pledged by deposit certificate or public bond.Due to flexible operations,the Four-bank Deposit Association has gained high social reputation.By 1930s,the association virtually overtook the northern four banks.The unique operation and experiences of the association is worth thorough study.