The banking industry began to handle agricultural loans in the late 1920s,rural financial or-ganizations have thus formed a new pattern of coexistence of modern finance institutions represented by banks and traditional credit institutions represented by pawns and private individuals.In the regional rural fi-nancial market,the old and new credit organizations have not evolved in isolation.The new agricultural loans had a certain negative impact on interest rates and share crowding-out effect on traditional high-interest loans.The different loan operation modes made them have different and complementary internal logic.The cooperation based on their respective comparative advantages also affected the adjustment of bank agricultur-al loan operation modes and the construction of rural financial system.The multi-dimensional staggered rela-tionship of impact,complementarity and cooperation between bank agricultural loans and traditional rural credit jointly shaped the organizational structure of rural financial market credit supply in the Republic of China,and played a role in the adjustment of farmers'funds and the modernization of rural finance.
bank agricultural loansrural traditional creditco-occurrence and symbiosis
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