抗战时期四联总处农贷研究

On Agricultural Credit of Headquarter of Four Joint-Banks during the Anti-Japanese War

抗战时期,作为农贷最高决策机构的四联总处,为发展后方农业以支持抗战,积极举办农贷。四联总处不仅制订并推行了内容较为翔实且颇具操作性的农贷政策,而且设计了一套农贷发放与稽核办法。因利益集团的介入,一定程度上扭曲了农贷政策。对于四联总处战时农贷政策之得失,可概括为农贷悖论命题:即农贷促进了后方农业生产的发展,但广大真正需要农贷资金的贫苦农民却得利甚微。

During the Anti-Japanese War,Headquarter of Four Joint-Banks was the highest policy-making body of agricultural credit,for the development of agriculture in support of the war,it actively organized agricultural credit.Headquarter of Four Joint-Banks formulated and implemented not only a series of the agricultural credit policy,but also designed a new set of agricultural credit granting and auditing methods.Due to the involvement of interest groups,the agricultural credit policy was twisted to some extent.The gains and losses of agricultural credit policies from Headquarter of Four Joint-Banks could be summarized as an agricultural credit paradox： agricultural credit promoted the development of agricultural production in the rear,but the poor farmers who had the real needs of agricultural credit funds benefited little.