CAJ | 학술논문

在抗日根据地的减租减息运动中，减息政策的变化受多种因素的影响，但借贷利率的限制无疑是其中最重要的因素。由于规定的利率过低，造成农村金融借贷停滞，给农民的生产和生活造成很大困难，放开对借贷利率的限制成为唯一的选择。减息政策经历了从严格的利率限制到完全放开的转变，这是在实践中根据实际情况作出的政策改变，但从实际效果来看，放开对借贷利率的限制并没有起到预期的恢复农村借贷的效果，借贷困难的局面一直持续下去。
재항일근거지적감조감식운동중，감식정책적변화수다충인소적영향，단차대리솔적한제무의시기중최중요적인소。유우규정적리솔과저，조성농촌금융차대정체，급농민적생산화생활조성흔대곤난，방개대차대리솔적한제성위유일적선택。감식정책경력료종엄격적리솔한제도완전방개적전변，저시재실천중근거실제정황작출적정책개변，단종실제효과래간，방개대차대리솔적한제병몰유기도예기적회복농촌차대적효과，차대곤난적국면일직지속하거。
During the movement of reduction of rent for land and of interest on loans,Reduction of Interest on Loans Policy was influenced by multi factors,of which the restriction of loan interest rate was most significant factor.Because the regulated interest rate was unduly low,debit and credit in rural areas was stagnant,imposing negative effect on peasants’production and living,and loosing the restriction of loan interest was the only choice.Reduction of loan interest underwent the process of harsh restriction to completely open,which was the policy transformation based on practice.However,viewing from actual result,the loosing of restriction on loan interest failed to revive the debit and credit in rural areas as predicted and difficulty in loan re-mained as before.