Study On Agricultural Loan System In Shaanxi-gansu-ningxia Border Region

China's traditional disaster-stricken loan system is an important institutional measure implemented by the rulers of the past generations to protect the peasants' survival needs,promote agricultural production,and stabilize the society.In the middle and late Qing dynasty,with the deterioration of the political ecology of the dynasty,the decline of the ruling system,and the dilemma of internal and external affairs,the disaster-stricken loan system that lasted for nearly three thousand years has broken down.During the Republic of China,the politicians built a new type of agricultural loan system to save the dilapidated rural finance.The Shaanxi-Gansu-Ningxia Border Region Government began to provide agricultural loans to ease the pressure and predicament of the military and civilians.Under the guidance of the early agricultural loan theory of the Communists,the establishment of the agricultural loan system in the border area has undergone the process of initial establishment of financial institutions and construction of the agricultural loan system.In order to ensure the implementation of the agricultural loan system in the border area,the border government has established a complete agricultural loan operation mechanism,which mainly includes the management of the loan object and loan content,the planning and design of the loan process and the description of the loan feature.The performance of the agricultural loan system in the border area is reflected in mobilizing the enthusiasm of the military and civilians to improve the small-scale peasant economy,improve agricultural production and develop agricultural and sideline industries in the border areas to preserve the strength of the war,adjust the rural finance in the border areas,and improve the class structure.The agricultural loan system in the border area will also be in trouble during the operation process,such as the misplacement of loan and loan,the time shift of loan and lending,the decentralization of lending organization,the lack of experience of agricultural lenders,the phenomenon of loan sharing,and the distortion of loan use.However,the border area government has profoundly corrected the agricultural loan system by clarifying the object of loans,strictly controlling the time of lending,ensuring the use of agricultural loans for agricultural and sideline production,and innovating the operation mechanism of agricultural loans,and has circumvented to some extent.The recurrence of the paradox of traditional agricultural loan operation.The completeagricultural loan system in the border area,the sound system construction and the effective correction of the agricultural loan paradox have certain enlightenment significance and reference value for solving the current agricultural loan problem in China and how to develop the agricultural loan business.