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周作民被誉为民国金融界的奇才,在其创办的金城银行的存款管理上,周作民一方面重视小储户,更把重心放到大储户身上,利用自己的政治资源多方拉拢大储户。放款业务上,以能够掌握的企业为主要投资对象,同时投资政府公债。此外,以银行资本控制产业资本可谓周作民最具特色的经济思想,这与其留学日本,受三井、三菱等产业金融发展的深刻影响有很大关系。作为一个杰出银行家,周作民的经济思想值得后人研究和借鉴。
Zhou Zuomin was praised as the Wizards of the financial sector in the Republic of China. At his bank, Jincheng Bank’s deposit management, Zhou Zuomin attached importance to small depositors while placing greater emphasis on big depositors and using his political resources to win over large depositors. Loan business, to grasp the business as the main investment object, while investing in government bonds. In addition, using bank capital to control industrial capital can be described as Zhou Zuomin’s most unique economic thinking, which is closely related to his study in Japan and the profound influence of industry finance such as Mitsui and Mitsubishi Industries. As an outstanding banker, Zhou Zuomin’s economic thought deserves future research and reference.