民国时期甘宁青农村高利贷利率特点及其影响因素分析

利率是乡村高利借贷的核心因素,通过研究利率可以揭示高利贷的诸多相关问题.在民国时期的甘宁青农村,高利贷"利率之高为全国所无";实物借贷利率高出货币借贷利率20%以上;高利贷利率在民国年间呈提高的趋势;利率高低受自然、人文和社会等多种因素的影响和制约,其中人文因素和社会因素对高利贷利率的变动起着关键性的作用.众多非常态因素结合在一起,造成了甘宁青农村高利贷的异常猖獗和借贷利率的畸形高扬.因此,高利贷是民国时期甘宁青农村民间借贷的主要表现方式,是地主剥削农民的最重要工具,是造成农民破产的关键因素.

Analysis about the Usurious Interest Rate Features and Its Impact Factors in the Rural Areas of Gansu,Ningxia and Qinghai in the Period of the Republic of China

Abstract:The interest rate is a core factor of the village usurious loan through which we can reveal many related questions about the usury.In the Rural Areas of Gansu,Ningxia and Qinghai in the period of the Republic of China,The usurious interest rate was higher than anywhere else across the country; Real loan interest rate was above 20% higher than the currency loan interest rate;The usurious interest rate, which was influenced and restricted by natural,cultural and social factors and so on,especially th...