变迁中的困境:近代天津民间借贷中的保证信用初探
发布时间：2018-09-13 16:50
【摘要】：保证信用是中国社会经济中的常见习俗和制度。在民间借贷关系中,保证信用是最为重要和通常的信用形式之一,对借贷关系的建立和偿还都具有重要作用,对民间商业市场的发展和扩大也具有重要的意义。在近代天津金融风险日益加大的条件下,保证信用与抵押等信用形式日益结合。随着天津在近代社会转型时期的到来,民间保证信用的保证者的来源也有所变化,在一些民间借贷形式中出现了熟人和地方权威之外的市场化的保证信用形式,单位的同事成为保证人来源之一,银号和银行及其经理人等也都是商业借贷中的重要保证者。在中外金融关系和行业间的借贷中,天津商会和政府逐渐成为不可或缺的保证者。
[Abstract]:Guarantee credit is the common custom and system in Chinese society economy. The guarantee of credit is one of the most important and common forms of credit in the private lending relationship, which plays an important role in the establishment and repayment of the loan relationship, and also plays an important role in the development and expansion of the private commercial market. Under the condition of increasing financial risk in modern Tianjin, credit forms such as guarantee credit and mortgage are combined day by day. With the arrival of Tianjin in the transition period of modern society, the sources of the guarantors of folk guarantee credit have also changed. In some forms of folk lending, there are market-oriented forms of guarantee credit other than acquaintances and local authorities. Co-workers are a source of surety, and banks and their managers are also important guarantors of commercial lending. The Tianjin Chamber of Commerce and the government are becoming indispensable guarantors in the financial relations between China and foreign countries.
【作者单位】： 河北民族师范学院;四川大学城市史研究所;
【基金】：2013年度河北省社会科学发展研究课题成果,课题编号201303425
【分类号】：F832.4
[Abstract]:Guarantee credit is the common custom and system in Chinese society economy. The guarantee of credit is one of the most important and common forms of credit in the private lending relationship, which plays an important role in the establishment and repayment of the loan relationship, and also plays an important role in the development and expansion of the private commercial market. Under the condition of increasing financial risk in modern Tianjin, credit forms such as guarantee credit and mortgage are combined day by day. With the arrival of Tianjin in the transition period of modern society, the sources of the guarantors of folk guarantee credit have also changed. In some forms of folk lending, there are market-oriented forms of guarantee credit other than acquaintances and local authorities. Co-workers are a source of surety, and banks and their managers are also important guarantors of commercial lending. The Tianjin Chamber of Commerce and the government are becoming indispensable guarantors in the financial relations between China and foreign countries.
【作者单位】： 河北民族师范学院;四川大学城市史研究所;
【基金】：2013年度河北省社会科学发展研究课题成果,课题编号201303425
【分类号】：F832.4
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