南京国民党政府“资金归农”的一阵喧嚣远未给衰败的中国农村带来“复兴”的希望。不但信用合作社在当时农村金融中的地位微不足道,对于农业生产的作用更是微乎其微,而且在银行资本和农村土劣操纵下的合作放款也没有完全脱出高利贷的窠臼,不健全的合作社放款反而有助长高利贷更趋活跃之势。但总体来讲,这一时期由国民党政府及中外团体、人士共同促成的中国农村合作运动的高潮,对于中国农村经济的发展,虽不能从根本上解放农民,振兴农村经济,但还是部分地、暂时地起到了缓冲社会矛盾的作用。在死水般的中国农村,漾起了几圈由千百年的个体生产走向近代化的互助合作的改革微澜,并且为日后中国的合作运动留下了许多值得借鉴和深思的教训和启示。 The tumultuous “funding of agriculture” by the Kuomintang government in Nanjing has far failed to bring “rejuvenation” hope to the decadent rural China. Not only did credit cooperatives play a negligible role in rural finance at the time, their role in agricultural production was even slimmer, but cooperative lending under the control of bank capital and rural areas did not completely break the shackles of loansharks. Instead, loans from unsound cooperatives contributed to Usury is even more active. Generally speaking, however, the climax of the Chinese rural cooperative movement jointly promoted by the Kuomintang government and Chinese and foreign organizations and people during this period did not fundamentally release the peasants and rejuvenate the rural economy. However, in part, Temporarily played the role of buffer against social conflicts. In the stagnant rural China, it has spawned a few revolutions in the reform and opening up for mutual cooperation and cooperation from the centuries-old individual production to the modernization. It has left many lessons and enlightenments worthy of reference and reflection for the future cooperation movement in China.