民国时期甘宁青农村高利贷问题探析

Usury Problem in the Rural Areas of Gansu,Ningxia and Qinghai in the Period of the Republic of China

民国时期甘宁青农村的借贷关系呈现出高利贷猖獗、借贷利率畸高,以及高利贷在社会经济生活中扮演着重要角色等突出特点。农民高利借贷的普遍性和农村的高负债率反映出高利贷的异常猖獗;"利率之高为全国所无"折射出借贷利率的畸形高昂;"贫民生计全为富户垄断"集中揭示了高利贷问题的严重性。故而在民国时期的甘宁青农村,高利贷问题较全国其他地区更为严重,最具强烈的西北区域色彩、时代特征和典型意义。

Lending in the Rural Areas of Gansu, Ningxia and Qinghai during the period of the Republic of China presented some outstanding characteristics, which included the rampant usury, excessively high lending rates and the important role usury played in the social economic life, etc. The univer sal lending and high debt ratio in rural reflected the abnormally rampant usury. The highest usurious interest rate across the country reflected the excessively high lending rate.＂The poor living in the rich monopoly＂ revealed the seriousness of the usury problem. So the usury problem of the Rural Areas of Gansu, Ningxia and Qinghai in the period of the Republic of China was more seri ous than that in other parts of the country and the most powerful Northwest regional features, the times characteristic and typical significance.