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在封建社会,高利贷资本只破坏旧的生产方式,不产生新的生产方式。正如马克思所说:“高利贷资本不改变生产方式,而是象寄生虫那样紧紧地吸在它身上,使它虚弱不堪。高利贷吸吮着它的脂膏,使它精疲力竭,并迫使它再生产在每况愈下的条件下进行。”“只有在资本主义生产方式的其他条件已经具备的地方和时候,高利贷才表现为形成新生产方式的一种手段。”在半殖民地半封建的旧中国,由于缺乏资本主义生产方式的条件,高利贷资本不可能成为形成新的生产方式的手段,而是同买办资本和地主经济勾结起来,加深对农民的残酷剥削,加速小生产者的破产。所以,中国共产党在创建时期,就明确指出了封建高利贷的反动作用。1920年12月出版的上海共产主义小组
In feudal society, loan-sharking capital only destroyed the old mode of production and did not produce new modes of production. As Marx put it: “The loan shark capital does not change its mode of production, but sucks it as tightly as a parasite, weakening it.” The loan shark sucks its fat cream, exhausting it and forcing it to reproduce itself . “” Usury only manifests itself as a means of forming a new mode of production, only where and when other conditions of the capitalist mode of production are already available. "In the old semi-colonial and semi-feudal China, due to the lack of capitalist mode of production , Loan-sharking capital can not become a means of forming a new mode of production but rather a collusion with the comprador capital and the landlord economy, deepening the brutal exploitation of peasants and accelerating the bankruptcy of small producers. Therefore, when the Chinese Communist Party was founded, it clearly pointed out the reactionary role of the feudal usury. Shanghai Communism Group, December 1920