中文摘要：

20世纪50年代前期，随着国家银行业务在农村的延伸及农村信用合作社的建立，在农村形成了私人借贷、国家农贷与农村信用社三者并存的乡村借贷体系。与当时的农村私人借贷相比，现代金融组织在借贷对象、借贷利率、借贷用途、借贷信用和手续、借贷期限等运作方式方面尽管存在一定的相同之处，但他们之间的差异却表现得更为明显。当时现代农村金融组织运作方式已取得了一定程度的进步，这无疑加快了中国乡村借贷关系现代化的进程。

英文摘要：

In the early days of the 1950s, with the extension of the state banking to rural areas and foundation of the credit cooperative, these made up of the financial system with the traditional private financing in rural China. Though the modem financial organizations had many same respects with private financing, such as lending and borrowing recipients, rate, purposes of lending and borrowing, credit and procedures, and lending and borrowing deadline etc. the different respects between them manifested obviously. Market progress had been obtained in the function of the modem financial organizations, which quickened the step of transformation and modernization of rural debtor-creditor relationship.