Abstract: As a legacy of financial institutions, Ho Cheng Bank officially opened in Chongqing in May of 1934. In May of 1937, to expand its business scope, it was decided to be reshuffled. Its reorganization was the mark of its transition to a modern logo. In January of 1938, it was formally reorganized, completing the transition to a modern financial institution. The creation and development of Ho Cheng by the eve of the antiJapanese war was sorted out. The reason of its official reorganization was analyzed. The characteristics of changing modern banks are shared to provide modern financial industry reference.

Key words: Ho Cheng Bank, modernization, reconstruction of banks, change

摘要： 和成钱庄作为一个旧式金融机构，1934年5月在重庆正式开业，为扩大业务范围，1937年5月决定改组银行，改组是其向现代化转型的标志，1938年1月正式改组，完成了向现代化金融机构的过渡。通过对抗战前夕和成钱庄创立与发展概况的梳理，分析其直到1938年才正式改组成银行的原因，分享和成钱庄现代化变革的特点，以期对现代金融业提供借鉴。

关键词: 和成钱庄, 现代化, 改组银行, 变革