新中国成立初期农贷绩效分析(1950-1957)——以河南省为例

Analysis of Agricultural Loan Performance during Early Period of New China(1950-1957)——Taking Henan Province as example

新中国成立初期,在国家惠农政策支持下,中国人民银行及农村信用社等机构发放的农村贷款是解决农民生产生活困难的重要措施之一。农贷发放以恢复农业生产和改善农民生活为主要目的,形式灵活多样,覆盖范围较大,利率较低,显示出浓厚的政策性特点。通过对河南省农贷调查样本数据的分析,发现新中国成立初期河南农贷成效显著,在持续性和覆盖面等指标方面表现突出,对抑制高利贷、缓解农村资金短缺、促进农村生产、改善农民活动等具有积极意义。

During the early period of New China,under the policies to benefit agriculture,the rural credit which was issued by People＇s Bank of China,Rural Credit Cooperative and other financial institutions,was one of the important measures to solve the difficulties in the production and life in rural areas.The main purpose of issuing the rural credit was to resume agricultural production and improve farmers＇ lives.The form of issuing the credit was very flexible and in large coverage.The rate of the rural credit was low and showed the strong policy characteristic.According to the performance analysis of the collected data from Henan rural credit survey,find that the effects of Henan rural credit were remarkable in the early days of New China.It had been prominent in some indicators such as sustainablity and coverage.The rural credit has a positive significance on restraining usury,alleviating the shortage of rural funds,promoting rural production and improving farmers＇ activities.