Between Ration And Ethics: A Study On Modern Fork Loan And Social Economical Development In Gan Min Border

Content: It has been for a long time that the academic field in china has been paying great attention to and study fork loan , and the majorities of scholars generally think fork loan ,a kind of usury ,is the load's usurious exploitation to peasants in high interest , which has a negative and conservative influence on village social economy .But this dissertation disagree to the traditional arguments and try to put forward a new explanation.Selecting "modern period" and "Gan Min border area" as the time and space scope , this dissertation investigates and analyzes present situation of fork loan and the relationship between fork loan and village social economy ,such as rural life, rural production, rural business, and the behavior in fork loan market from modern period in detail, which aims to indicate : 1. There is a general interest in fork loan in Gan Min border area:2 fen-3 fen as monthly interest in cash credit ;50% as rate of interest in grain loan; 2. In view of social economic reproduction, to some extent fork loan can promote the compensation of total product of society in both material and value aspects under the condition that the modern loan capital does not be totally socialized and village society is not able to get effective relieve from government and community .So fork loan becomes one of the basic prerequisites of the continuous process of rural social reproduction in Gan Min border area;3. In modem society characteristic of private proprietary ,fork loan is a kind of market-economy behavior influenced and controlled by market principle too .The debit and credit is a market exchange with great venture and cost .Seen from the viewpoint, the so-called "usurious exploitation" in fork loan does not come from the credit action itself but lies in the cruel competition in credit market .So to solve the problem of morality deficiency in fork loan depends on whether government can timely put attention and assistance to social inferior group on the premise that market law and legitimate rights and profits of both sides of debtor and creditor should been respected and protected.