變遷中的困境:近代天津民間借貸中的保證信用初探
發(fā)布時間：2018-09-13 16:50
【摘要】：保證信用是中國社會經(jīng)濟中的常見習俗和制度。在民間借貸關(guān)系中,保證信用是最為重要和通常的信用形式之一,對借貸關(guān)系的建立和償還都具有重要作用,對民間商業(yè)市場的發(fā)展和擴大也具有重要的意義。在近代天津金融風險日益加大的條件下,保證信用與抵押等信用形式日益結(jié)合。隨著天津在近代社會轉(zhuǎn)型時期的到來,民間保證信用的保證者的來源也有所變化,在一些民間借貸形式中出現(xiàn)了熟人和地方權(quán)威之外的市場化的保證信用形式,單位的同事成為保證人來源之一,銀號和銀行及其經(jīng)理人等也都是商業(yè)借貸中的重要保證者。在中外金融關(guān)系和行業(yè)間的借貸中,天津商會和政府逐漸成為不可或缺的保證者。
[Abstract]:Guarantee credit is the common custom and system in Chinese society economy. The guarantee of credit is one of the most important and common forms of credit in the private lending relationship, which plays an important role in the establishment and repayment of the loan relationship, and also plays an important role in the development and expansion of the private commercial market. Under the condition of increasing financial risk in modern Tianjin, credit forms such as guarantee credit and mortgage are combined day by day. With the arrival of Tianjin in the transition period of modern society, the sources of the guarantors of folk guarantee credit have also changed. In some forms of folk lending, there are market-oriented forms of guarantee credit other than acquaintances and local authorities. Co-workers are a source of surety, and banks and their managers are also important guarantors of commercial lending. The Tianjin Chamber of Commerce and the government are becoming indispensable guarantors in the financial relations between China and foreign countries.
【作者單位】： 河北民族師范學院;四川大學城市史研究所;
【基金】：2013年度河北省社會科學發(fā)展研究課題成果,課題編號201303425
【分類號】：F832.4
[Abstract]:Guarantee credit is the common custom and system in Chinese society economy. The guarantee of credit is one of the most important and common forms of credit in the private lending relationship, which plays an important role in the establishment and repayment of the loan relationship, and also plays an important role in the development and expansion of the private commercial market. Under the condition of increasing financial risk in modern Tianjin, credit forms such as guarantee credit and mortgage are combined day by day. With the arrival of Tianjin in the transition period of modern society, the sources of the guarantors of folk guarantee credit have also changed. In some forms of folk lending, there are market-oriented forms of guarantee credit other than acquaintances and local authorities. Co-workers are a source of surety, and banks and their managers are also important guarantors of commercial lending. The Tianjin Chamber of Commerce and the government are becoming indispensable guarantors in the financial relations between China and foreign countries.
【作者單位】： 河北民族師范學院;四川大學城市史研究所;
【基金】：2013年度河北省社會科學發(fā)展研究課題成果,課題編號201303425
【分類號】：F832.4
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