从乡村救灾到市场竞争——以20世纪30年代陕西省乡村借贷为例  

From Rural Disaster Relief to Market Competition:A Case Study of Village Debit and Credit in Rural Shanxi Province in the 1930s

作　　者：张天政[1] 赵娜[2] 

机构地区：[1]宁波工程学院社会科学部 [2]北京师范大学内蒙古乌海市附属学校

出　　处：《史学月刊》2016年第5期63-72,共10页Journal of Historical Science

基　　金：国家社会科学基金项目"20世纪三四十年代西北银行业制度的强制性变迁与区域经济变动研究"(13BZS050)

摘　　要：20世纪20年代末,西北三年大旱灾,关中尤为严重。为盈利或救济,20世纪30年代,陕西乡村借贷先后出现乡村传统的高利贷市场,新式农贷市场。通过考察新式农贷市场的机构及相关制度、贷款区域、借贷种类与方式及利率期限等,认为这种新的融通资金渠道从最初为乡村救灾逐步转变为陕西乡村借贷市场竞争,削弱了高利贷市场,亦形成乡村借贷市场激烈竞争的局面,并引起乡村借贷制度的转型及资金融通观念的转变,引起区域乡村社会生产观念的明显改进,进而引起乡村借贷体制的转型。In the late 1920s, there were a lot of droughts in northwestern China, especially in Guanzhong area. On thebasis of studying the rural usury, the new system of agricultural credit market, including rates, types, terms, area of thenew loan, the paper points out the new finance mode for rural disaster relief in Shaanxi province became rural loanmarket competition in the 1930s. The formation of the new finance mode not only led to the transformation of ruralloan system and the change of financing concept, but also promoted the progress of concept on the agriculturalproduction, and caused keen competition in rural loan market.

关 键 词：高利贷 新式农贷市场 陕西 20世纪30年代 

分 类 号：K26[历史地理—历史学] F832.9[历史地理—中国史]