The Folk Debit And Credit In The Qin And Han Dynasty

The folk debit and credit is the debt's relationship between personal or corporate and individual, corporate and organizational structure, It has gone through an unprecedented development, Han had a far-reaching impact on society and future generations. In previous studies, based on Documents unearthed in light of the amount of material to the Han dynasty and made a detailed analysis of The non-governmental debit and credit, Finally, the article is divided into five groups for the exposition.The first part, The folk debit and credit can be divided into object's loan and currency's loan by different forms of borrowing objects; According to the different operating mode, can be divided into mortgage lending and credit lending. As for the cause, in addition to products developed economy and the people of the Qin and Han Dynasties "are given," the social background. there are three important reasons : the economic vulnerability of farmers. The oppressive taxes and onerous government businessmen usury.The second part of the loan contract signed between the two sides on behalf of their debts has been formed. When the leases were destroyed, their debts will be followed lifted. Contracts have the force of law, according to the written judgment debts above the merits. In addition, the government imposes a statutory interest rate of the Han Dynasty, but the specific amount that can not be verified. Based on available information, we can know is : Han borrowing at interest rates varying between 20% to 100%. When faced with special circumstances, will be higher.The third part of the civil law in the Qin and Han dynasties made a stricter lending requirements. Not only the legal protection of small farmers, but also to protect the interests of the creditors, which makes borrowing more to the development of norms. Only in the specific process of implementing those laws can not be completely implemented.The fourth part, along with the early period of borrowing loans, compared to demonstrate the many features : borrowing for the purpose of profit, along with its relative loan creditor and the debtor and the debtor's creditors. more widely distributed, when borrowing solve their disputes between the two sides, the conflict can be brought. asked to solve.The fifth part, the folk debit and credit have produced far-reaching influence to society. One aspect , it have promoted currency and the commodity circulating , debit and credit has been each other's complement with feudal official and have relaxed social contradictions temporarily; Another aspect , its feasible government official merchant gang up , rotten degree , peasant great quantity having deepened a bureaucracy go bankrupt going into exile , social contradictions is gradually sharp.