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20世纪上半期的资料表明,在乡村经济交易中,中保人仍然非常普遍,并扮演了十分重要的角色。从交易契约可以看出,其名称多达40余种,人数大多为1人,但也有多人的情况。中保人多是社会经济地位较高,关系广泛,有人缘、有面子,懂交易规则,能言善辩者。其社会责任和功能,主要是为交易双方介绍、撮合、担保和调解纠纷,收取佣金则体现了承担这一责任的报酬。中保人制度为交易契约的履行提供了基本保证,降低了交易风险,减少了法律诉讼,有利于经济交易秩序和社会关系的稳定。但在三四十年代,由于天灾人祸频繁、农村社会经济状况恶化以及革命风雨的到来,中保人制度遇到了困难和危机,给民间经济交易带来了不便。
Information from the first half of the twentieth century shows that the insurer is still very common and plays a very important role in rural economic transactions. As can be seen from the transaction contract, its name as many as 40 species, the majority of the number of 1 people, but there are many people’s situation. The majority of PICC insurers are highly socioeconomic status, extensive relations, popularity, face-saving, understand the rules of the transaction, can be a good speaker. Its social responsibility and function are mainly to introduce, match, guarantee and mediate disputes for both parties involved in the transaction, commission payment reflects the remuneration of assuming this responsibility. The PICC system provides a basic guarantee for the performance of the transaction contract, reduces the transaction risk, reduces the legal proceedings, is conducive to the stability of the economic order and the social relations. However, in the 1940s and 1940s, due to the frequent natural and man-made disasters, the deteriorating social and economic conditions in rural areas, and the arrival of a revolutionary storm, the PICC system encountered difficulties and crises, which brought inconvenience to non-governmental economic transactions.