浅论唐宋时期的信用形式

唐宋时期,在商品经济发展的促动下,社会经济生活中发生了诸多信用业务。主要有高利贷信用、商业信用、消费信用和国家信用等形式。其中,高利贷信用是一种主导信用形式,对社会经济生活影响较为深远。商业信用在宋代的商业往来中较为普遍。消费信用多发生于饮食业中,发展层次还较低。国家信用还未能发展成一种常见的信用形式。

Credit Form in the Tang and Song Dynasties

In the Tang and Song Dynasties, promoted by the development of commodity economy, credit business appeared in the social and economic life, taking the forms like usurious loan credit, commercial credit, consumption credit and state credit. Among these, the usurious loan credit was the predominant and had deep influences on social and economic life. Commercial credit was popular in the commercial exchanges of the Song Dynasty. Consumption credit, mostly in the food business, remained at the lower level. State credit was still immature and thus uncommon.