The Research Of Rural Folk Lending Organization In Yunnan Province On The Period Of Republic Of China

Rural folk lending, arguably the most closely relationship with ordinary daily life of economic behavior, so to do some in-depth study of private lending, help us to better understand the outline of the traditional rural society economy, but also conducive to the stability of financial order today, especially in rural areas how to play the gleaning role of informal lending organizations in financial services has important significance. ROSCA(Rotating Saving and Credit Association) as one of the oldest folk lending organizations, not only widely exists in yunnan rural society for a long time, but also by its unique operation mode is widely popular with the rural people, and a wide range of influence on their life.This paper to yunnan’s ROSCA as the center, in-depth study on the development of the yunnan rural folk lending conditions. Including the period of the republic of China in yunnan rural folk lending organizations exist social background, all kinds of sources, yunnan folk lending and borrowing demand situation, the internal structure and operation mode, etc., Aimed at the period of the republic of China in yunnan rural folk lending to make a more complete. At the same time, this article also makes in-depth discussion of ROSCA, Including the features and The pros and cons of function, aims to Prominent ROSCA has other characteristics and advantages of private lending does not have, In order to get a scientific and rational understanding of ROSCA. in different areas, ROSCA will present a different organization forms and content. Such as ROSCA in yunnan is in the form of various "cong" popular with the masses of rural areas. In practical terms, ROSCA widespread is decided by the own needs of modern social development, various forms of ROSCA, in the rural society have played a role of different level. Just because of these ROSCA are folk spontaneous organizations, there is no perfect rules and regulations, nor on the forming of law, so often appear some bad phenomenon and influence. So clear in concept, to improve the understanding and pay close attention to the value of it, guide and standardize its healthy development, play the advantages of such folk finance not only has theoretical significance, but also has more practical significance.