国民政府时期贵州乡村借贷利率及治理困境

The Interest Rate of Rural Debit and Credit and Governance Dilemma in Guizhou during the Governance of National Government in the Republic of China

上世纪三四十年代,贵州乡村的借贷利率虽有波动,但普遍居高不下,军阀主黔、抗日战争和解放战争三个时期的利率水平与全国平均值比较,分别呈现出偏高、持平和偏低的特征。政府试图通过法律法规和创建新式金融机制等方式平抑民间借贷利率,但成效不彰,其中最大困境在于借贷利率的调控者多系放贷主体。

In the 1930s and 1940s, although the borrowing rate of Guizhou＇ s rural areas fluctuated, it was generally high. During the periods of the warlords, Anti - Japanese War, and the War of Liberation, the government tried to stabilize the interest rate of private lending through laws and regulations and the creation of new financial means, but the biggest difficul- ty lies in the fact that the regulators of borrowing and lending are mostly lenders.