南京国民政府以农贷抑制高利贷的二律背反现象分析

为消除农村中存在的高利贷，南京政府积极开展农业贷款。农业贷款一方面对农村高利贷产生了不少冲击，另一方面又导致了高利贷更加猖獗。这启示我们，发展中国家在走向现代化的过程中，要充分发挥传统因素的合理性；在实施农业贷款过程中要充分发挥市场机制的作用；要充分利用农村业已存在的传统借贷组织和形式；政府要积极采取措施发展农业保险和农业债券市场。

The Antinomy Phenomenon Analysis of Nanjing Government to Suppress the Usury by the Agricultural Loans

To eliminate the existence of usury in the rural areas, the Nanjing government actively carried out agricultural loans. Agricultural loans on the one hand have generated a lot of impact on the rural usury, on the other hand led to the more rampant usury. This inspires us, the developing countries in the process of modernization, should give full play to the traditional factors of rationality; give full play to the role of the market mechanism in the process of implementing agricultural loan; make full use of traditional lending organizations and forms existing in rural areas; the government should actively take measures to develop agricultural insurance and agricultural bond market.