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一、先秦至隋的信用和信用机构 (一)先秦的信用私有制产生以后,随着贫富差别的加剧,就会产生和发展借贷行为.对于贷放者来说,绝大多数自然以取利为目的,贷放者也就是高利贷者.但也有不以取利或主要不以取利为目的的贷放,这主要是指国家为了稳定社会秩序,有利于再生产的进行而发放的农业信贷.还有某些私人信贷也可能作为一种公益事业而举办,这是极少数的情况.另一方面,国家信贷也有以取利为目的的,那就成了国家高利贷资本了.
I. Credit and Credit Institutions from Pre-Qin to Sui (1) After the private-credit system of the pre-Qin Dynasty was created, with the aggravation of the difference between the rich and the poor, loans and borrowings would be generated and developed. For the lenders, the vast majority naturally take profits For the purpose of loan lenders are usurers, but there are also loans that are not for the purpose of profit taking or major non-profit taking. This mainly refers to the agricultural credit issued by the state for the purpose of stabilizing the social order and facilitating the reproduction. Some private credit may also be held as a public welfare undertaking, which is very rare .On the other hand, national credit is also for the purpose of making profits, then it becomes the national usurious loan capital.