二元经济：社会转型时期的地方金融体制研究--以1912～1937年的河南省为例

Dual Economy:the Local Financial System Research in Social Transition Period—An Example of Henan Province during 1912～1937

民国初年至20世纪30年代,河南金融业存在着现代金融业与传统金融业并存的局面。一方面,不论传统金融业还是现代金融业都无法独立承担市场发展对金融业的需要;另一方面,由于民间惯性对现代金融业的排斥而延续了传统金融机关的生存能力。在现代金融业渗入乡村社会的过程中,信用合作社起了重要作用,成为新式银行和农村联系的桥梁,由于其借贷利率较低,故能较快地被农民所接受,成为农村一种新型的融资和借贷组织。在河南广大农村,即使合作社发展比较深入的地方,也是合作社与传统融资组织并存的局面。

From early years of the Republic of China to the 30s of 20th century, the modern and traditional financial industry coexists in Henan. On the one hand, the modern and traditional financial industry can not independently take the need of the market development. On the other hand, for the repelling of folk inertia to the modern financial industry, the traditional financial office＇s viability is continued. In the process of modern financial industry permeating the society of village, the credit cooperation has an important role, which becomes the connecting bridge between new--style bank and rural areas. Since the lower borrowing interest rate, the credit cooperation is comparatively quickly accepted by peasants, which becomes a kind of new financing and borrowing organization In the large rural areas of Henan, even where cooperation is well developed, cooperation and traditional financial organization coexist.