지원사업
학술연구/단체지원/교육 등 연구자 활동을 지속하도록 DBpia가 지원하고 있어요.
커뮤니티
연구자들이 자신의 연구와 전문성을 널리 알리고, 새로운 협력의 기회를 만들 수 있는 네트워킹 공간이에요.
논문 기본 정보
- 자료유형
- 학술저널
- 저자정보
- 저널정보
- 한국사연구회 한국사연구 韓國史硏究 제189집
- 발행연도
- 2020.6
- 수록면
- 155 - 188 (34page)
- DOI
- 10.31791/JKH.2020.06.189.155
이용수
초록· 키워드
오류제보하기
This paper was analyzed 182 private loans and 89 creditors recorded in the 『hajai diary(荷齋日記)』 written by Ji Kyu Sik(池圭植). I investigated the reality of private loans and the status of creditors.
Ji Kyu Sik was engaged in the manufacture of ceramics in Gyeonggido Bunwon, often borrowed money on business. The private loans were concentrated in 82 cases(45%) between 1891∼1895, and in 78 cases(43%) between 1900∼1906. The interest rate of private loans was 2∼5% per month, Jangbyun(場邊) which was 1∼2% every five days, Gapri(甲利) which was 100% per year, etc.
The amount of loans ranged from dozens of nyang(兩) to tens of thousands nyang. In particular, the high interest rate which was 5% per month and Jangbyun occupied two-thirds of the total. The interest rate of private loans had risen after 1894 because of national and social risk.
The high interest rate had worsened Ji Kyu Sik"s ceramic manufacturing. But Ji Kyu Sik didn"t borrow loans from bank. Because he had few guarantors and collateral.
The creditors were composed of Yangban(兩班), officials, merchants, commoners, women, etc. Most creditors who lent more than 10,000 nyang were Yangban and officials. Their residence was one third in Seoul and two thirds in Gyeonggido. The larger the amount of loans was, the higher the proportion of Yangban and officials lived in Seoul. Seoul and Gyeonggido shared the practices of private loans.
At that time, the business of modern finance was spread. But private loans were dependent on traditional way. The conditions for using private loans have worsened after opening ports. It was due to foreign trade, currency reform, rising interest rates, inflation, etc.
Ji Kyu Sik was engaged in the manufacture of ceramics in Gyeonggido Bunwon, often borrowed money on business. The private loans were concentrated in 82 cases(45%) between 1891∼1895, and in 78 cases(43%) between 1900∼1906. The interest rate of private loans was 2∼5% per month, Jangbyun(場邊) which was 1∼2% every five days, Gapri(甲利) which was 100% per year, etc.
The amount of loans ranged from dozens of nyang(兩) to tens of thousands nyang. In particular, the high interest rate which was 5% per month and Jangbyun occupied two-thirds of the total. The interest rate of private loans had risen after 1894 because of national and social risk.
The high interest rate had worsened Ji Kyu Sik"s ceramic manufacturing. But Ji Kyu Sik didn"t borrow loans from bank. Because he had few guarantors and collateral.
The creditors were composed of Yangban(兩班), officials, merchants, commoners, women, etc. Most creditors who lent more than 10,000 nyang were Yangban and officials. Their residence was one third in Seoul and two thirds in Gyeonggido. The larger the amount of loans was, the higher the proportion of Yangban and officials lived in Seoul. Seoul and Gyeonggido shared the practices of private loans.
At that time, the business of modern finance was spread. But private loans were dependent on traditional way. The conditions for using private loans have worsened after opening ports. It was due to foreign trade, currency reform, rising interest rates, inflation, etc.
목차
Ⅰ. 머리말
Ⅱ. 개항 후 금융의 변화와 분원 자기제조업
Ⅲ. 서울 경기 일대 사금융 거래와 이자
Ⅳ. 채권자의 사회적 지위와 관계
Ⅴ. 맺음말
참고문헌
ABSTRACT
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UCI(KEPA) : I410-ECN-0101-2020-911-000859556