CAJ | 학술논문

20世纪30年代末40年代，尽管存在重重阻力，但国家银行机构——中国农民银行等银行先后在青海西宁设立分支机构，中国农民银行通过青海地方当局及其下属机构，先后开展畜牧业、农业生产、农村集市贸易贷款业务，这不仅意味着首先向高利贷者提出挑战，使得青海农贷市场结构有所变化，旧式借贷系统所占市场份额有所下降；而且使得新式银行机构开始确立其在农贷市场上的地位。农贷业务不仅促使在青海建立起一套新的农贷制度，农贷银行也获得一定收益；而且促使农牧业生产取得了明显的经济效益。
20세기30년대말40년대，진관존재중중조력，단국가은행궤구——중국농민은행등은행선후재청해서저설립분지궤구，중국농민은행통과청해지방당국급기하속궤구，선후개전축목업、농업생산、농촌집시무역대관업무，저불부의미착수선향고리대자제출도전，사득청해농대시장결구유소변화，구식차대계통소점시장빈액유소하강；이차사득신식은행궤구개시학립기재농대시장상적지위。농대업무불부촉사재청해건립기일투신적농대제도，농대은행야획득일정수익；이차촉사농목업생산취득료명현적경제효익。
In the late of 1930s and the beginning of 40s, despite of the heavy resistance, the national bank institutions - the farmers bank of China has successively set up branches in Xining, and successively developed animal husbandry, agricultural production, rural fair trade loan business through the local government and its subunits, which not only means the first challenge to the usurer, and made some changes in agricultural loan market structure and declined market share of old lending system, and also gained a position for the new banking in the agricultural loan market. Agricultural credit business not only enabled the establishment of new agricultural credit system and also agricultural loan bank gained certain benefits, and promoted economical profits in agriculture and animal husbandry.