抗战时期西北农民银行的农贷

发布时间：2018-10-20 16:04

【摘要】：西北农民银行是抗战时期晋绥根据地建立的地方性银行,为了扶植根据地农业发展,解决广大军民的吃饭穿衣问题,银行根据政府规定和农村实际,发放了大量的贷款贷粮。在农贷对象上坚持贫雇农优先贷款的同时,把中农也列入贷款的范围;在农贷的发放时间上,尽量做到不违农时、适时发放;在农贷资金上,注意吸收游资;在农贷利率上,基本上是低利或无利政策;在农贷的用途上,强调贷款用于生产,并且要专款专用。在农贷的实施中,针对不同的农贷对象,制定了完善的农贷发放程序;在收放农贷的方法上以不让农民吃亏为原则。从而使农贷发挥了巨大的作用,既满足了人民对生产资料的需求,提高了人民的生活水平,又促进了社会生产的发展,在极端艰苦的情况下坚持了抗战。
[Abstract]:The Northwest Peasant Bank was a local bank established in the base area of Shanxi and Suiyuan during the Anti-Japanese War. In order to foster the agricultural development of the base area and to solve the problem of food and clothing for the army and the people, the bank issued a large number of loans and grain according to the government regulations and the actual situation in the countryside. While insisting on preferential loans for poor and employed peasants in agricultural loans, the middle peasants should also be included in the scope of loans; when agricultural loans are issued, they should be issued in a timely manner; in agricultural loan funds, attention should be paid to the absorption of floating funds; and in the interest rate on agricultural loans, as far as the time for granting agricultural loans is concerned, Basically low-interest or non-profit policy; in the use of agricultural loans, the emphasis on loans for production, and special funds earmarked. In the implementation of agricultural loans, a perfect procedure for issuing agricultural loans is formulated for different agricultural loan objects, and the principle of not letting farmers suffer losses is taken as the method of collecting and releasing agricultural loans. Thus the agricultural loan played a great role, which not only satisfied the people's demand for the means of production, improved the people's living standard, but also promoted the development of social production, and persisted in the War of Resistance against Japan under extremely difficult circumstances.
【作者单位】：山东大学历史文化学院;
【分类号】：F832.9;K265

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