清代清水江流域民间产业“准担保”借贷研究

Study on Expectant Guarantee Lengding for Folk Industry in Qingshuijiang Basin in Qing Dynasty

清代清水江流域民间产业"准担保"借贷,分为"准当""准抵"和"准典卖"三种借贷方式。债务人以个人信用为基础,将产业作"准担保"借贷。在贷期内,债务人所"准担保"之产业未发生权利让渡,但失去了对产业处置的话语权。如贷款逾期后,债务人所"准担保"之产业就会发生权利让渡。民间产业"准担保"借贷,是传统社会时期乡民自行设计的一套解决借贷风险的方案,是一种介于"信借"和"产业担保借贷"或"产业抵偿"两极之间的一种特殊借贷制度。

In the Qing Dynasty,expectant guarantee lending for folk industry in Qingshuijiang basin can be divided into three lending modes:"expectant mortgaged"、"expectant counterbalances"and"expectant pawn".The debtor takes the personal credit as the foundation,takes the industry as the expectant guarantee lenging.During the loan period,the debtor’s expectant guarantee industry does not have the right transfer,But they lost their say in the disposal of the industry.If the loan is overdue,the debtor’s expectant guarantee industry will have the right transfer.expectant guarantee Lenging for folk Industry is a set of schemes designed by rural people to solve the loan risk,which is conducive to the regulation of the traditional rural lending market,and belongs to a special lending system between"loan in credt"and industrial guarantee lending or"expectant counterbalances".