民国时期信用合作立法遏止农村高利贷问题研究-《中国农史》

文章信息/Info

Title:: Studies on Cooperative Credit Legislation in order to Contain Rural Usurious Loans during the National Government of China

Author(s):: QIU Shao-hui1 ZHANG Xiang-wen2; （1.Law School, Anqing Normal University;2.School of Humanities and Social Sciences, Anqing Normal University, Anqing 246133）

Keywords:: cooperative credit legislature; usurious loan in rural area; national government of China

摘要:: 民国时期，农村高利贷猖獗，使得原本崩溃的农业经济雪上加霜，农民生计更加困苦，进而危及国计民生。对此，国民政府试图通过信用合作立法，保障农民自主组织和管理信用合作社、为自己发放低息贷款，以遏止高利贷。此举产生了一定的积极作用，但由于相关立法及其实践脱离国情、政府急于求成、农民无法掌控放贷权、政府无法监管和打击高利贷资本等问题的存在，最终没有达到预期的遏止目标，农村高利贷问题日趋严重。

Abstract:: During the national government of China, high interest loans ran rampant causing the rural economy to deteriorate. The peasants’ livelihood became increasingly difficult creating a national economic crisis. Because of this, the government attempted to utilize a credit system to guarantee the rights of the individual by providing low interest loans. This did have a noticeable effect but because of a break in legislation and its practicality as well as over anxiousness of the government, the peasants were unable to control their right to a loan. The government ultimately failed to maintain their objective, unable to effectively manage usurious capital, thus the problem became more critical with every passing day.

备注/Memo:: [收稿日期] 2017-05-05
[基金项目] 教育部人文社科规划基金项目“长江流域山地玉米生产与生态环境变迁研究”（13YJAZH136）
[作者简介] 邱少晖（1983- ），男，法学博士，安庆师范大学法学院讲师，主要研究方向为中国法制史；张祥稳（1967- ），男，理学博士，安庆师范大学人文与社会学院教授，主要研究方向为灾荒史。