周代借贷性质的演变

借贷活动是生产力水平提高，私有制和贫富分化的必然产物，西周时期的借贷多以实物形式，一般无任何附加条件。商业的发展，城市经济的成长，金属货币的广泛流通，消费水平的提高以及统治阶级各种贪欲的膨胀，导致在西周时期以救济为主要功能的借贷，途经礼崩乐坏的春秋时代，到战国时代逐渐演变为以攫取高额利息为主要目的的高利贷。

The EV olution of the Zhou dynatsy''s Debt-and -credit character

The debt-and-credit activity was an ineluctable outcome of the raising Of productive forces,appearing of private ownership and exacerbating of the weath dispartiy betwee the poor and the rich. It was in the form of goods and with no appended conditions during the Western Zhou Period. The developments of commerce and urban economy, large-scale circulating of metal currencies, rising of the people's livig standard and the perniciously-inflated avarice for manifold materials of the ruling class resulted in the relieforiented debt-and-credit activity's turning into exorbitant-profits-reaping-oriented usurious loan in the Warring States Period after undergoing the etiquette-and-music-degrading Spring and Autwmn Peried.