私人借贷与农村经济和农民生活关系研究-以土改后中南区为例

私人借贷在全国解放前一直是农村金融体系的重要组成部分。解放以后,从20世纪50年代初期中南区各省的调查材料来看,由于经济落后、家庭经济弱小、缺乏完善的社会保障和现代金融体系等原因,私人借贷虽受到抑制但仍有一定程度的发展。这一时期的私人借贷在功能上以互助互济为主,在一定程度解决了农户生产生活上的诸多困难,促进了农村经济的发展。国家银行业务在农村的延伸和农村信用社的发展在一定程度上压缩了私人借贷的空间,但不能完全替代私人借贷。

A Study on the Relations between Leasehold and Rural Economy and Peasants'''' Life The Case of the Middle South of China after Land Reform

Before the founding of New China private financing always made up an important part of the financial syetem in the countrysiade throughout China.Even after the founding of New China,as known by the data from the surveys in the middle south of China in the early years of 1950s,the rural private financing,though under control,still further developed to some extent due to economic backwardness,weak household economy,imperfect social security and lack of modern financial system.In this period the rural private financing operated mainly for mutual help and modern assistance.The expansion of state banking operation into the rural areas and the development of morden financial organizations like rural credit cooperatives reduced,in a degree,the room for private financing,but did not eliminate altogether.