CAJ | 학술논문

国家农贷在中国已有千年历史，但国家农贷的制度路径并不适用于以市场合约为基础的现代合作农贷。本文以国家农贷的道义性为切入点，剖析国家农贷道义性的根源，即国家农贷背后的社会结构和历史文化：儒家“仁”的执政思想、民本而非民主传统、小农经济的外部性以及小农的生存伦理。并用“本土性视角”来分析现代合作农贷在当今中国社会嵌入的困境：土地的产权归属、小农的分散性、小农的人际关系结构以及农贷制度的路径依赖。
국가농대재중국이유천년역사，단국가농대적제도로경병불괄용우이시장합약위기출적현대합작농대。본문이국가농대적도의성위절입점，부석국가농대도의성적근원，즉국가농대배후적사회결구화역사문화：유가“인”적집정사상、민본이비민주전통、소농경제적외부성이급소농적생존윤리。병용“본토성시각”래분석현대합작농대재당금중국사회감입적곤경：토지적산권귀속、소농적분산성、소농적인제관계결구이급농대제도적로경의뢰。
Traditional national agri-loan lasts thousands of years in China, but the system of national agri-loan does not apply to modern agri-loan that based on market contract. Taking morality as the breakthrough point, this article analyzes the source, the social structure and historical culture behind the national agri- loan: the ruling thoughts of Confucian " benevolence", people-oriented rather than democratic tradition, the externality of small -scale peasant economy and the survival of the small peasantry. With " aboriginality perspective" , the modern agri -loan in today's Chinese society is: land property right, dispersivity of the small peasantry, the interpersonal relationship structure and path dependence of the agri-loan system.