劉航琛（1896-1975），四川瀘縣人，致力於四川實業發展，1930 年至1949年間先後投資創辦金融、工礦、商業等多家企業，其長期經營川康、川鹽銀行，執四川金融之牛耳。本文主要利用重慶市檔案館所藏檔案，分析討論劉航琛的企業經營與四川金融業的發展。吾人以為劉航琛金融事業的經營，實得力於其良好的政商關係，從川康殖業銀行的創辦，略可見其遠見與企圖。川康殖業銀行開業後，不數年間成長快速，其資本額躍為川幫銀行之首。其次，川康銀行與川鹽銀行雖同係劉航琛金融事業的核心，然其治理模式有所不同；唯兩行的經營與業務的開展，終因能用人而持續獲利成長。此外，劉航琛以川康、川鹽兩銀行資本大量投資工商企業，卻由於投資利濟輪船公司的失利，導致了銀行本業經營的風險。至於，兩行資金投資工商企業所衍生的股權混淆不清事例，則反映出企業制度與管理上的不夠周延，頗值得留意。

Liu Harng-chen (1896-1975) was born at Lu county in Szechwan.He was a finance and economics staff for Liu Hsiang in the rule of warlord time.After the Szechwan provincial government was founded, he took the post of financial department chief, and then took the post of government affairs vice minister at food ministry during the Sino-Japanese War time. Furthermore, he was appointed economic minister in 1949.Liu Harng-chen was an official also businessman, he devoted the Szechwan industry to develop.Indeed,he invested successively the banking, industry, mining, and trade company from 1930 to 1949, and managed Chuankang bank, Chuanyan bank for a long time, almost played an importment role in the financial market at Chungking. Liu Harng-chen was an important entrepreneur of Szechwan, He established Chuankang Zhiye bank in 1930.Three years later,he took the post of president for bank and money shop industry union at Chungking. In addition,he held a post of general managerat Szechwan bank,then organized the Szechwan industrial corporation, subsequently was appointed the chairman of Chuanyan bank,the managing director of Juxingcheng bank, the director of Meifeng bank. By the capital of Chuankang bank and Chuanyan bank, he invested heavily enterprises, for example the West China industrial corporation , Chungking electricity company, Chungking running water company, Szechwan cement corporation, Hualien iron and steel company,LiJi financial group, Szechwan silk industry company, the Chinese industrial corporation , Tojiang sugar industry company, LiJi Steamship company and so on.