清代至民国时期民间借贷利率研究——以闽西培田为例

On the Research of Loan Interest during the Period of the Qing Dynasty and the Republic of China——Taking Peitian in West of Fujian as an Example

清代民国时期,闽西培田民间借贷领域形成了货币借贷利率与粮食借贷利率互相参照,流行利率与互助利率互相补充的利率体系。因为粮价的周期性波动,借贷兼营户被迫将回收的粮食本息推迟半年左右的时间出售,保存期间增加的成本实际由借贷人承担,粮食借贷在参照货币借贷利率的基础上,要再追加20个左右百分点。培田粮食借贷利率因而趋高。

During the period of the Qing Dynasty and the Republic of China, because of the periodical price fluctuation of grain, in Peitian,west of Fujian, the loaners were forced to delay selling the grain which they got back, including principal and interest for about half a year. During this period, the increasing costs were undertaken by loanees. The annual interest rate of loaning - grain supplemented by 20 percent by referring to the interest of loaning - currency. Thus there is a growing trend in the loan interest of grain in Peitian.