民国时期浙江地方银行的农贷研究

A Study of the Agricultural loans of the Local Bank of Zhejiang in the Republican Period

在20世纪30—40年代中国农村经济极度衰败、农村金融极度匮乏、农民深受高利贷盘剥的状况下,作为新式金融机关的浙江地方银行却将资金投入农村,将从农村流入城市的资金部分地流还农村,这一新举措无疑给资金枯竭、高利贷横行的浙江农村金融注入了新鲜血液,给浙江农村经济带来了活力。该行在农贷工作中善于因地制宜、顺势而谋、大胆探索,体现出了具有典型意义的特点。

In the 1930s and 1940s, the rural economy in China was at a exceedingly low ebb, there was a desperate shortage of rural finance, and the peasants were ruthlessly exploited by usurious loans. Under such conditions, as a new financial institution, the Local Bank of Zhejiang poured capital into Zhejiang＇s rural areas, and returned part of the capital which had flowed into Zhejiang＇s cities from Zhejiang＇s rural areas back. This new measure, without doubt, infused new blood into Zhejiang＇s rural finance, which had been short of capital and damaged by usurious loans. And it reenergized Zhejiang＇s. rural economy. In the business of agricultural loans, the Local Bank of Zhejiang made bold explorations, took advantage of the situation and conditions of Zhejiang＇s rural areas, adopted effective measures suited to these areas, and finally played an examplinary role in the history of agricultural loans.