20世纪30年代(抗日战争前)的中国,一个突出的现象是现金集中于大都市,特别是上海,而农村金融濒临枯竭。“货币多由内地农村流至城镇,由城镇流至通都大邑,再由通都大邑流往海外”。“农村资本缺乏,已成为近几年来全国的普遍现象”。这成了当时社会各界关注的焦点之一。 One prominent phenomenon in China in the 1930s (before the Anti-Japanese War) was that cash was concentrated in the metropolises, especially in Shanghai, while rural finance was on the verge of depletion. “More money flows from the rural areas of the rural areas to cities and towns, flows from the towns to the capital of Dayi, and then by the capital are Dayou flow overseas.” “The lack of rural capital has become a national phenomenon in recent years.” This became one of the focuses of all circles of society at that time.