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利率是乡村高利借贷的核心因素,通过研究利率可以揭示高利贷的诸多相关问题。在民国时期的甘宁青农村,高利贷“利率之高为全国所无”;实物借贷利率高出货币借贷利率20%以上;高利贷利率在民国年间呈提高的趋势;利率高低受自然、人文和社会等多种因素的影响和制约,其中人文因素和社会因素对高利贷利率的变动起着关键性的作用。众多非常态因素结合在一起,造成了甘宁青农村高利贷的异常猖獗和借贷利率的畸形高扬。因此,高利贷是民国时期甘宁青农村民间借贷的主要表现方式,是地主剥削农民的最重要工具,是造成农民破产的关键因素。
Interest rates are the core element of rural high-interest borrowing. Interest rates can reveal many related issues of usury. In the Gansu-Ningxia countryside during the Republic of China, the high-interest loan “high interest rate was none of the nation”; the interest rate of physical loans was over 20% of the currency lending rate; the interest rate of high-interest loans showed an increasing trend during the Republic of China; the interest rate was influenced by natural and human And social factors and constraints and other factors, including human factors and social factors on the rate of change in the loan-shark play a key role. Many non-state factors are combined together, causing unusually rampant usury in rural areas of Gansu and devaluation of lending rates. Therefore, loan-sharking is the main expression of folk lending in the rural areas of Gansu and Ningxia during the Republic of China. It is the most important tool for landlords to exploit peasants and is the key factor for the peasants to go bankrupt.