Republic Of China, Sichuan Usury Research

In old China rural usury issues have been prominent, as the rural usury is popular in sichuan province, one of usury in sichuan rural economic and social effect to be reckoned with.During the period of the republic of China rural economy in sichuan is on the brink of bankruptcy, many farmers in poor condition for a long time, unable to maintain normal simple life and production. Under this background, the farmer borrowing is very outstanding, a large number of data shows that most of the lending in sichuan farmers from loan sharks, and this kind of phenomenon is very common, usurious interest rates high eye-popping. Historical data shows that farmers in sichuan of usury bank lending rates are ordinary lending several times, and the means of or compound interest calculation, with higher interest rates that further increased the burden of farmers. Usury borrowing rates research to reveal the development of rural economy in sichuan and the farmers’ production and living level has very important significance.This article is divided into three parts to discuss the study of sichuan rural usury during the period of the republic of China.The first part of the first chapter "introduction", from the selected topic background, the motivation to this paper selected topic reason, through the "literature review" status quo of studies on the academic problems related to do a comb, find themselves writing comes in. And the research idea of this paper, the proposed research methods, and support research introduced some basic theory in economics.The second part is the second, third, fourth and fifth chapter. This part mainly elaborates on the period of the republic of China, the development situation of sichuan rural usury usury market works, usury has factor analysis, usury effects on rural economic and social development in sichuan. Among them, the second chapter mainly introduces the sichuan rural usury activity of the republic of China, including analysis in the structure of loan officers, loan sharks borrowing money demand, usury lending market interest rate decisions. The third chapter mainly introduces the concrete operation mode of usury market, including borrowing usury, loan sharks time and specific operation form of borrowing. The fourth chapter mainly analyse the causes of sichuan rural usury has, from two aspects of usury capital supply and demand were discussed, and find why such a high capital requirements, and why, Banks, cooperative supply cannot meet the demand of the farmers’borrowing. The fifth chapter mainly elaborated the rural usury activities on the rural economy in sichuan, the influence of the society.The third part is the sixth chapter "conclusion", through the analysis of the body, to bring us some enlightenment. Promoting the construction of new countryside in today and in the process of urbanization, how to strengthen the construction of the rural financial system, perfect the modern financial system, introduce how to limit the rural usury activities, and ultimately promote rural economic and social all-round development and education to improve farmers’ living some thinking.