民国时期四川农村合作社逾期贷款问题探析

Causes and Countermeasures of the Overdue Loans Problem of Sichuan Rural Cooperatives in the Republican Period

民国时期,农村合作贷款活跃,但逾期贷款现象也较普遍,呈现数量大、比例高的特点。一方面,合作贷款并未有效改善农村经济,农民依然负债沉重,还款能力有限;另一方面,合作贷款制度推进缺乏监督从而诱致部分合作社职员乘机挪用贷款或私握还款。虽然相关机构制定了清理和催收逾期贷款的办法,但效果不佳。合作社社员时常申请贷款展期以应付催收。

During the period of the Republic of China, cooperative loans were very common in rural areas of Sichuan, so were overdue loans. The amount of overdue loans was large and accounted for a high proportion of aU loans. On the one hand, credit loans had not improved the rural economy effectively. Many farmers were still in heavy debt, with limited abilities to pay back. On the other hand, lack of supervision in the coopera- tive financial system resulted in the malpractice on the part of some cooperative staff members who often misappropriated the repayment. The relevant authorities had made policies to collect overdue loans, which turned out to be inefficient, for cooperative members often applied for loans deferment.