20世纪40年代青海少数民族聚居区的新式农贷

New Agricultural Credit of Minority Areas in Qinghai in 1940s

20世纪30年代末40年代,尽管存在重重阻力,但国家银行机构——中国农民银行等银行先后在青海西宁设立分支机构,中国农民银行通过青海地方当局及其下属机构,先后开展畜牧业、农业生产、农村集市贸易贷款业务,这不仅意味着首先向高利贷者提出挑战,使得青海农贷市场结构有所变化,旧式借贷系统所占市场份额有所下降;而且使得新式银行机构开始确立其在农贷市场上的地位。农贷业务不仅促使在青海建立起一套新的农贷制度,农贷银行也获得一定收益;而且促使农牧业生产取得了明显的经济效益。

In the late of 1930s and the beginning of 40s, despite of the heavy resistance, the national bank institutions - the farmers bank of China has successively set up branches in Xining, and successively developed animal husbandry, agricultural production, rural fair trade loan business through the local government and its subunits, which not only means the first challenge to the usurer, and made some changes in agricultural loan market structure and declined market share of old lending system, and also gained a position for the new banking in the agricultural loan market. Agricultural credit business not only enabled the establishment of new agricultural credit system and also agricultural loan bank gained certain benefits, and promoted economical profits in agriculture and animal husbandry.