CAJ | 학술논문

本文通过对大量文献资料的分析，试图从中共革命政策与乡村社会之间的互动关系中解析中共借贷政策的实际效果和陕甘宁根据地借贷关系的坎坷转变历程。论文重点从废债毁约、减息清债、打击高利贷活动三个方面论述了中共对陕甘宁根据地传统借贷关系进行的革命。在对这些运动的绩效与不足进行了客观、辩证地分析的基础上．从两个方面论述了中共在陕甘宁根据地进行借贷关系的恢复和重建工作：一是对于乡村社会原有的私人借贷和合理的传统借贷组织的恢复；二是推动信用合作社的建立和推行农贷政策。到抗日战争后期最终形成以农贷为主导。结合信用合作社贷款及合理的民间借贷的乡村借贷制度。
본문통과대대량문헌자료적분석，시도종중공혁명정책여향촌사회지간적호동관계중해석중공차대정책적실제효과화협감저근거지차대관계적감가전변역정。논문중점종폐채훼약、감식청채、타격고리대활동삼개방면논술료중공대협감저근거지전통차대관계진행적혁명。재대저사운동적적효여불족진행료객관、변증지분석적기출상．종량개방면논술료중공재협감저근거지진행차대관계적회복화중건공작：일시대우향촌사회원유적사인차대화합리적전통차대조직적회복；이시추동신용합작사적건립화추행농대정책。도항일전쟁후기최종형성이농대위주도。결합신용합작사대관급합리적민간차대적향촌차대제도。
Based on the analysis of extensive literature, this paper intends to analyze the actual result of the policy of CPC （the Communist Party of China） debit and credit and the rough transformation process of the debit and credit relationship in Shanxi ,Gansu and Ningxia base area according to the interaction between CPC revolutionary policy and rural community. The paper discusses the CPC＇ s revolution on the traditional loan and relationship in Shan,xi Gansu and Ningxia base area from three perspectives, namely, abolishing debts and breaking contracts, cutting interests and clearing debts and fighting against usury. By objectively and dialectically analyzing the performance and weaknesses of these campaigns, this paper discusses the restoration and reconstruction of CPC＇s Debtor and Creditor Relationship from two aspects, firstly, the restoration of personal debit and credit that used to be in the rural community and reasonable traditional debit and credit organizations; secondly, the promotion of the establishment of credit cooperatives and the pursuit of agricultural credit policy. By the end of the Anti-Japanese War, the rural debit and credit system which includes the dominant agricultural credit policy combining with the debit from credit cooperatives as well as reasonable folk loan had been finally formed.