民间传统借贷与农村社会经济——以20世纪初期(1900—1930)赣闽边区为例

Traditional Private Lending and Rural Social Economy: The Case of the Jiangxi-Fujian Border Region in the Early 20th Century (1900—1930)

对 2 0世纪初期即苏区革命前赣闽边农村民间传统借贷的状况、运作及其与社会经济关系的重新考察表明 ,当地的农村民间借贷关系不仅具有普遍性 ,利息也不是学术界长期所认定的那么高 ,而且它对当地农村社会经济运行与发展具有不可或缺性 ,其具体的运作则具有很强的市场趋向性。同时 ,边区民间传统借贷的负面作用也是明显的。民间借贷不是需要不需要的问题 ,而是政府如何加以规制与调控的问题。

Re-examination of the conditions, implementations and socio-economic relations of the traditional private lending in the Jiangxi-Fujian border region in the early 20th century (before the Soviet Area revolution) indicate that, not only were private loan relations in countryside very widespread, but interest rates were also not so high as academic circles have long firmly believed. Moreover, such lending was indispensable to the operation and development of the rural social economy, and its actual operation had a very strong market tendency. On the other hand, the negative effects of private traditional lending in the border region are also obvious. The rural lending issue is not a problem of whether it was necessary or not, but rather a problem of how the government should have regulated and controlled it.