民国时期江西乡村借贷研究

发布时间：2018-04-09 22:06

本文选题：民间信用　切入点：信用组织　出处：《南昌大学》2012年硕士论文

【摘要】：民国时期,中国社会进入了急剧转型时期,受外国资本主义入侵、国家产业布局的调整、政局的不稳定性等因素的影响,当时我国乡村可谓是动荡不安。值此之际,作为与农户日常生活最为密切的经济行为——乡村借贷,亦因此呈现出剧烈的时代特点。本文以民国江西为时空背景,详细考察了这一时期乡村民间借贷的种种行为,其中包括乡村借贷的总体现状、借贷来源的种类,以及各类借贷源的组织结构、运作方式及功能利弊等,旨在对当时乡村借贷做出一个较为全面的阐述,以期还原当时乡村借贷这一历史原貌。同时,本文还将此借贷行为作出了传统与近代的划分,以期从借贷行为这一视角入手,剖析出民国时期我国金融现代化之路的艰难性,试图从中找出最后导致这种现代化失败的原因。另外,笔者还就借贷原因做了深入探讨,其中包括表层原因与实质原因,希望从中揭示出民国乡村借贷广为流行的本质原因。另外,就创作方法而言,笔者还试图引入经济学、社会学、法律学以及民俗学等诸多学科知识来对民间借贷高利率进行全面深入的解释,以期揭开传统意义上“高利贷”的神秘面纱,使其从传统道德的“歧视打压”中解脱出来回归到理性视觉下的分析。最后,笔者更是希望借此论文研究,能够帮助当代当政者更好的制定出民间借贷利率的管制办法,促进民间借贷的良性发展。
[Abstract]:During the period of the Republic of China, Chinese society entered a period of rapid transformation, which was influenced by the invasion of foreign capitalism, the adjustment of national industrial layout and the instability of political situation.On this occasion, as the most close economic behavior to farmers' daily life, rural lending also presents a violent characteristics of the times.Taking Jiangxi Province as the background of the Republic of China, this paper examines in detail the various behaviors of rural folk lending in this period, including the overall situation of rural lending, the types of sources of borrowing, and the organizational structure of various sources of borrowing.The purpose of this paper is to make a comprehensive exposition of the rural loan at that time in order to restore the historical appearance of the rural loan at that time.At the same time, this article also makes the traditional and the modern division of the borrowing behavior, in order to analyze the difficult way of financial modernization in the period of the Republic of China from the perspective of borrowing behavior.Try to find out the cause of the failure of this modernization.In addition, the author also makes a deep discussion on the reasons of borrowing, including the superficial and essential reasons, hoping to reveal the essential reasons for the widespread popularity of rural lending in the Republic of China.In addition, in terms of creative methods, the author also tries to introduce economics, sociology, law, folklore and other disciplines to fully explain the high interest rate of private lending.In order to uncover the mysterious veil of usury in the traditional sense, it can free itself from the traditional moral "discrimination and oppression" and return to the analysis under the rational vision.Finally, I hope to use this paper research, can help the contemporary government to better formulate the regulation of private lending interest rates, to promote the benign development of private lending.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：K262.9;F832.4

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