明清徽州的民间资产生息与经济互助

发布时间：2019-06-18 09:45

【摘要】：在明清徽州,积贮置产与经济互助的观念深入人心,因家户合作、宗族统合、融资立会、社会捐输而形成的互助基金和经济实体广泛存在。大量民间资产通过借贷、合会、典当、融资等方式实现生息。公祀、会社、乡族机构是管理公共资产和实现生息经营的主体。民间资产生息具有浓厚的乡族性、互助性,利率一般维持在社会礼俗认可且符合官府规定的较为合理的区间之内,月息最高不超过3%,大多在1%~2%。维系民间资产生息的信用因素是多方面的,在明清时期的徽州,主要是依靠礼俗社会关系和契约关系来维系生息信用。民间资产生息显示了与传统高利贷不同的运行机制。明清徽州民间资产生息现象的普遍发生具有深厚的社会背景。
[Abstract]:In Huizhou in Ming and Qing dynasties, the concept of storing property and economic mutual assistance was deeply rooted in the hearts of the people. Mutual funds and economic entities formed by family cooperation, clan integration, financing association and social donation and loss widely existed. A large number of private assets through lending, clubs, pawnshops, financing and other means to achieve interest gains. Public sacrifice, clubs, rural organizations are the main body to manage public assets and realize interest-bearing management. Private assets have a strong rural nature, mutual help, interest rates are generally maintained in the social etiquette and custom recognition and in line with the more reasonable range stipulated by the government, the highest monthly interest rate is not more than 3%, mostly in 1% 鈮，

本文编号：2501376