近代河洛地区钱债契约与民间借贷习惯问题  

Research on Debt Contracts and Private Lending in Modern Heluo Area

作　　者：李瑞广 王云红[3] Li Ruiguang;Wang Yunhong

机构地区：[1]河南科技大学法学院 [2]河南科技大学丽正书院 [3]河南科技大学人文学院

出　　处：《农业考古》2024年第1期131-140,共10页Agricultural Archaeology

基　　金：河南兴文化工程文化研究专项项目“洛阳法律碑刻分类整理与研究”(项目编号:2022XWH268)。

摘　　要：通过对钱债契约的实证研究,可知近代河洛地区民间借贷原因较多,文书表述多为简略套语;以货币借贷为主,辅以实物借贷,贷款多用于生活消费,很少用于投资生产;受社会环境影响,小额、短期借贷居多。借贷形式主要有信用借贷、担保借贷和抵押借贷。借贷利率一般不超过官方规定的上限,大多属于乡邻、亲友之间的互助、救急性质。为了保证债权人的利益最大化,常见的违约处置方式有“按约处置”“协商处置”“父债子偿”“司法诉讼”等,债务纠纷较为普遍。Through the empirical study on the debt contracts,there were many reasons for private lending in the modern Heluo area with many abbreviated phrases.Money loan was the main form,which was supplemented by physical credit,and the loans were mostly used for living consumption,but rarely for investment and production.Affected by the social environment,there were mostly small and short-term loans,and the forms were mainly credit loan,guarantee loan and mortgage loan.The interest rates on loans generally would not exceed the ceiling set by the government.Most of loans were applied for mutual aids and emergency relief among neighbors,relatives and friends.In order to ensure the maximized interests of creditors,the common solutions for default included disposal by appointment,disposal by negotiation,repayment by sons,and judicial litigation,etc.Therefore,the debt disputes were very common.

关 键 词：河洛地区 钱债契约 民间借贷 

分 类 号：K251[历史地理—历史学]