新旧之间：民国时期银行农贷与农村传统信贷的互动-《中国农史》

文章信息/Info

Title:: Between the Old and the New: The Interaction between Bank Agricultural Loans and Rural Traditional Credit during the Republic of China

Author(s):: MIAO Shudi; （School of Economics and Management, Suqian University, Suqian 223800）

Keywords:: bank agricultural loans; rural traditional credit; co-occurrence and symbiosis

摘要:: 20世纪20年代末，银行开始办理农业贷款业务，农村金融组织由此形成了以银行为代表的新式金融与以典当、钱庄、私人为代表的传统信贷机构并存的新格局。在区域农村金融市场上，新旧信贷组织并非孤立演化，新式农贷对传统高利借贷产生一定的利率负向冲击与份额挤占效应，借贷运作方式的不同又使得二者间存在差异化互补的内在逻辑，基于各自比较优势的合作亦影响着银行农贷经营方式的调整与农村金融制度的建构。银行农贷与乡村传统信贷间冲击、互补与合作的多维交错关系共同形塑了民国时期农村金融市场信贷供给的组织结构，并作用于农民资金调剂与乡村金融的现代化转型。

Abstract:: The banking industry began to handle agricultural loans in the late 1920s, rural financial organizations have thus formed a new pattern of coexistence of modern finance institutions represented by banks and traditional credit institutions represented by pawns and private individuals. In the regional rural financial market, the old and new credit organizations have not evolved in isolation. The new agricultural loans had a certain negative impact on interest rates and share crowding-out effect on traditional high-interest loans. The different loan operation modes made them have different and complementary internal logic. The cooperation based on their respective comparative advantages also affected the adjustment of bank agricultural loan operation modes and the construction of rural financial system. The multi-dimensional staggered relationship of impact, complementarity and cooperation between bank agricultural loans and traditional rural credit jointly shaped the organizational structure of rural financial market credit supply in the Republic of China, and played a role in the adjustment of farmers’ funds and the modernization of rural finance.