戰後台灣期票信用的發展及其社會經濟意義的探討
Development and Significance of Post-dated Check Credit in Postwar Taiwan
作者:林寶安(Pao-An Lin) | 首次發表於 2020-06-29 | 第 39 期 December 2007
DOI:https://dx.doi.org/10.6786/TJS.200712_(39).0004
研究紀要(Research Notes)
論文資訊 | Article information
摘要 Abstract
戰後台灣雖然處在金融壓抑環境下,卻在短短幾十年間創造驚人的經濟發展成就,曾被譽為「經濟奇蹟」。這樣的現象令人好奇,在欠缺正式金融有效滿足或支援相關金融服務之餘,當時台灣主要的經濟行動者,究竟如何解決日常資金運轉的難題?本文認為戰後自上海傳入台灣社會的「遠期支票」,扮演著關鍵性的角色。從單純的支付工具,支票的「遠期化」產生支票「信用化」的質變,成為一般工商(特別是中小)企業非常重要的信用工具,潤滑、驅動著企業日常運轉所需的資金交換流通。本文嘗試從當時的相關法令規範(票據法、票據刑罰)、制度設計(銀行甲存戶、票據交換所、司法體系)、產業條件與市場關係等面向,闡述此一台灣經濟學習使用「信用工具」的過程。在本文看來,因為遠期支票的普及使用,使得台灣經濟交換的層次,得以從現金交易升級進入期票信用交易的層次,具有某種程度的信用革命意涵,對台灣經濟發展意義重大。

關鍵詞:遠期支票、刑罰、票據交換所、信用、融通
In an unfavorable environment of financial repression, Taiwan achieved incredible economic performance—enough to have it described as a post-war “economic miracle.”This raises the question of how the economic actors met their financial needs to make their fortunes. The argument presented in this paper is that post-dated checks—a type of transaction imported from post- war Shanghai—were critical in their use as credit instruments. A combination of the banking system, check clearinghouses, and the justice system formed the institutional bases for a post-dated-check credit system. This system held multiple and critical meanings for Taiwan’s economy; in the sense of upgrading the economy from cash to credit exchange, it can be considered revolutionary.

Keywords: post-dated check, penalty, clearinghouse, credit, financing