【作者】 王锋；

【导师】 陈东有；

【作者基本信息】 南昌大学 ， 专门史， 2012， 硕士

【摘要】 民国时期,中国社会进入了急剧转型时期,受外国资本主义入侵、国家产业布局的调整、政局的不稳定性等因素的影响,当时我国乡村可谓是动荡不安。值此之际,作为与农户日常生活最为密切的经济行为——乡村借贷,亦因此呈现出剧烈的时代特点。本文以民国江西为时空背景,详细考察了这一时期乡村民间借贷的种种行为,其中包括乡村借贷的总体现状、借贷来源的种类,以及各类借贷源的组织结构、运作方式及功能利弊等,旨在对当时乡村借贷做出一个较为全面的阐述,以期还原当时乡村借贷这一历史原貌。同时,本文还将此借贷行为作出了传统与近代的划分,以期从借贷行为这一视角入手,剖析出民国时期我国金融现代化之路的艰难性,试图从中找出最后导致这种现代化失败的原因。另外,笔者还就借贷原因做了深入探讨,其中包括表层原因与实质原因,希望从中揭示出民国乡村借贷广为流行的本质原因。另外,就创作方法而言,笔者还试图引入经济学、社会学、法律学以及民俗学等诸多学科知识来对民间借贷高利率进行全面深入的解释,以期揭开传统意义上“高利贷”的神秘面纱,使其从传统道德的“歧视打压”中解脱出来回归到理性视觉下的分析。最后,笔者更是希望借此论文研究,能够帮助当代当政者更好的制定出民间借贷利率的管制办法,促进民间借贷的良性发展。更多还原

【Abstract】 The period of the Republic of China, Chinese society has entered the stag e of transformation, by foreign capitalist invasion, the national industrial layout adjustment, political instability and other factors, the country is turbulent. On this occasion, as with the farmer daily life most closely with the economic be havior--rural credit, therefore, shows a strong characteristics of the times.In this paper, the Jiangxi as the background, a detailed study of this perio d rural folk debit and credit behavior, including rural credit of the overall situ ation, lending source types, as well as various lending source organization stru cture, operation mode and the functional advantages and disadvantages, to the rural credit to make a relatively comprehensive elaborate, with period reduction of this historical original appearance was borrowing. And also the loan behav ior to make the traditional and modern division, with period from borrowing b ehavior of this perspective, the analysis of the period of the Republic of Chin a’s financial modernization hard, and try to find out the reasons for the failur e of the last lead to modernization.In addition, the author also lending reason to make the thorough discussio n, including the surface reason and substantial reason, hoping to reveal the Re public of China rural lending popular essential reason. And the author also att empted to introduce economics, sociology and the science of law, folklore and many other disciplines knowledge of folk lending rates by comprehensive inte rpretation, to solve the traditional sense of "usury" mysterious veil, so from th e traditional moral "discrimination to suppress the" freed to return to rational visual analysis under.Finally, the author also hopes to study, to help the contemporary rulers to better develop private lending rate control method, promote the benign develo pment of private lending.更多还原