20世纪20—40年代中国农村合作金融中的信用管理思想

发布时间：2018-06-05 09:57

本文选题：中国近代 + 农村合作金融　；参考：《中国经济史研究》2017年04期

【摘要】：信用是农村金融的基础。若农民信用不固,则任何通过外力构建的农村金融组织都将难以为继,20世纪上半期中国农村合作金融的发展演变即体现了这一点。自20世纪20年代起,中国农村在思考传统合会运作及其信用管理方式的前提下,借鉴西方合作金融思想,形成了一股商资主导的以培育农村信用合作社为主的农村金融浪潮。但由于农信社的内部约束和银行的外部约束并未有效提升农民信用,信贷效率低下,通过商业银行培育农村合作金融组织的方式遭到废弃。后在政府的强力推动下,合作金库主导的农村合作金融,偏重于合作资金的供给,对合作社信用疏于监督,最终导致合作金融体系难以发挥效果。本文将基于这一线索,透过信用管理思想的发展演变,观察和思考信用体系对于合作金融在近代中国由兴至衰的内在影响。
[Abstract]:Credit is the foundation of rural finance. If farmers' credit is not solid, any rural financial organizations constructed by external forces will be difficult to continue the development and evolution of China's rural cooperative finance in the first half of the 20th century. Since the 1920s, on the premise of thinking about the operation of traditional cooperative society and its credit management mode, the rural areas of China have formed a wave of rural finance dominated by business and capital, which is based on the cultivation of rural credit cooperatives. However, the internal constraints of rural credit cooperatives and the external constraints of banks have not effectively promoted the credit of farmers, and the credit efficiency is low, so the way of cultivating rural cooperative financial organizations through commercial banks has been abandoned. After the strong push of the government, the rural cooperative finance, which is dominated by cooperative treasury, emphasizes on the supply of cooperative funds and neglects the supervision of cooperative credit, which leads to the difficulty of the cooperative financial system. Based on this clue, through the development and evolution of credit management thought, this paper will observe and think about the internal influence of credit system on cooperative finance in modern China from prosperity to decline.
【作者单位】：上海财经大学经济学院;浙江科技学院经管学院;
【基金】：国家社会科学基金重大项目“近代中国金融市场发展与运行研究”(批准号:16ZDA133) “上海财经大学创新团队支持计划”(批准号:2014110309)阶段性成果之一
【分类号】：F832.9;K26

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