20世纪30年代江苏农村金融困境与私营银行的参与  

Rural Financial Distress and Involvement of Private Banks in Jiangsu in 1930s

作　　者：严跃平[1] Yan Yueping

机构地区：[1]淮阴师范学院商学院

出　　处：《农业考古》2024年第4期92-103,共12页Agricultural Archaeology

基　　金：江苏省社会科学基金项目“20世纪30年代江苏农村复兴史料整理与研究”(项目编号:23LSB007)。

摘　　要：20世纪30年代,江苏农村面临着金融枯竭的困境,表现为资金外流、负债普遍以及高利贷盛行。金融助农成为当务之急,部分私营商业银行也参与到江苏农村的金融救济之中,其中,上海商业储蓄银行很具代表性。该行不仅成立了农业贷款部,还与江苏地方政府合作成立农民抵押贷款所,通过信用合作社、农仓以及产销合作社发放农贷,提供相对较低的利率,对缓解农村资金压力具有一定的积极性。但是从根本上看,私营银行进行农贷的本质是为剩余资金寻找出路,因而其在调剂金融方面又存在明显的局限性。In the 1930s,rural Jiangsu was faced with financial exhaustion,which was manifested in the outflow of capital,widespread indebtedness and the prevalence of usury.Financial relief became a priority,and some private commercial banks were also involved in the financial relief of rural Jiangsu,among which the Shanghai Commercial and Savings Bank was the very representative.The bank not only set up an agricultural loan department,but also cooperated with the local government in Jiangsu to establish a farmers' mortgage lending office.It issued agricultural loans through credit cooperatives,farm warehouses,and production and marketing cooperatives,offering relatively lower interest rates,which was positive in easing the pressure on rural capital.However,the nature of agricultural lending by private banks was actually to seek outlets for surplus funds,thus leaving obvious limitations for them to mediate financial flows.

关 键 词：江苏农村 农村金融 上海商业储蓄银行 金融参与 

分 类 号：K26[历史地理—历史学]