The Arrangement And Research Of Shanxi Loan Contract From Qing To Minguo Period

From the Qing Dynasty to the Republic of China,there were many loan activities in Shanxi Province,and a large number of original contract documents were left.Through the arrangement and research of these loan contracts,we can intuitively understand the whole picture of Shanxi’s loan activities at that time.This paper takes the loan contract of Shanxi Province as the research object,and takes the loan documents in the integration of historical materials of Shanxi merchants as the core materials to introduce the general situation of the loan contract of Shanxi Province.First of all,the source,quantity,time span,covering area and other aspects of the contract documents are sorted out,and the format of these loan contracts is combed out.The specific analysis of several key contract elements is carried out to grasp the characteristics of Shanxi loan contracts as a whole.From the Qing Dynasty to the Republic of China,there were not only unsecured credit loans,but also collateralized loans with collateral,and the special forms of private joint ventures were popular.At the same time,we should pay attention to the existence of mutual interest free loans.From the Qing Dynasty to the Republic of China,most of the interest rates of Shanxi loan contracts remained in a relatively stable state,with the annual interest rate concentrated at about two points.However,in terms of development trend,affected by the overall economic environment,the interest rate increased in the period of the Republic of China.As a kind of market economic behavior,the pursuit of interest return is inevitable and cannot be classified as exploitation.There are ways to deal with the breach of the loan contract in Shanxi Province,such as the due redemption and free disposal in accordance with the provisions of the contract;there are also ways to negotiate between the borrower and the borrower,such as the overdue profit generation,the transfer of principal and interest,the repayment of principal and interest,and the establishment of the contract;if there is no way to negotiate,the government will seek solutions with the help of local forces;even if the judicial proceedings are finally carried out,the government will fully refer to local customs The function of law.The representative case analysis in the loan contract is also necessary.The study on theloan operation of Zhang diangong can reflect the common characteristics of Shanxi’s loan activities at that time,provide strong evidence for the analysis of the overall situation of Shanxi’s loan,and is an indispensable part of the study on Shanxi’s loan.This paper is divided into five chapters.In terms of format and content,it explores the general situation and characteristics of Shanxi’s loan contract from Qing Dynasty to the Republic of China,as well as the loan form and loan repayment reflected in the contract,especially the loan interest rate,and reflects the characteristics of Shanxi’s loan at that time through case study,so as to understand the real situation of Shanxi’s loan activities during the period from Qing Dynasty to the Republic of China,as well as the region in that period Social and economic life.