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高利贷作为我国民间借贷行为的一种特殊表现形式,有着深厚的历史渊源,最早出现在西周时期,进入封建社会后,高利贷有了很大的变化和新的发展,对社会经济和人们的生活产生诸多影响。高利贷在某些情况下虽能缓解一时资金周转困难,但长期来看,它导致农民物质生活的日益恶化,危害社会安定与和谐,并带来其他消极影响。本文通过对高利贷现象的分析,阐述了农村高利贷的发展特点、存在原因,并提出引导我国农村高利贷健康发展的政策建议。
Usury as a special manifestation of China’s private lending behavior, has a profound historical origins, first appeared in the Western Zhou Dynasty, into the feudal society, the usury has been a great change and new development of social economy and people’s lives Many effects. Although usury can ease the temporary cash flow difficulties in some cases, in the long run, it leads to worsening of the material life of peasants, jeopardizing social stability and harmony and bringing about other negative impacts. Based on the analysis of the phenomenon of usury, this paper expounds the characteristics of the development of usury in rural areas, the reasons for its existence, and puts forward the policy recommendations to guide the healthy development of China’s rural usurious loans.