论文部分内容阅读
从民国时期长江中下游乡村可以看出 ,私人、店铺借贷的信用方式主要有信用借贷、抵押借贷和预卖赊借三类。信用借贷尤其是保证信用借贷较多 ,抵押借贷仅在个别地区占优势 ,这在一定程度上反映了血缘、亲情在乡村借贷中的重要作用 ,削弱了债主的苛刻条件 ,但也强化了债户偿还债务的责任和信誉。同信用借贷相比 ,抵押借贷涉及的关系较为复杂 ,其中抵押和典当土地是最常见的抵押借贷方式。与以上信用借贷和抵押借贷方式不同 ,预卖、赊借是商业资本和高利贷资本相结合的借贷形式 ,体现了买卖交易和高利贷的双重关系
From the Republic of China during the Republic of China in the middle and lower reaches of the Yangtze River, it can be seen that there are three types of credit loans for private individuals and store loans: credit loans, mortgage loans and pre-sale credit loans. Credit lending, in particular, guarantees more credit loans and mortgage loans dominate only in some areas. This partly reflects the important role of blood and affection in rural credit lending, weakens the demanding conditions of creditors, but also strengthens the debt of borrowers Responsibility and credibility of debt repayment. Compared with credit lending, mortgage lending involves a complex relationship, of which mortgage and pawn land is the most common mortgage lending. Different from the above credit loans and mortgage loans, pre-sales, credit loans are forms of loans that combine commercial capital with usury capital, which reflects the dual relationship between sale and purchase and usury