民间借贷是一种常见的经济行为,可以分为抵押借贷和无抵押借贷(亦可称信用借贷)两种方式,通过对搜集清代40件借契的简单分析,剖析在清代采取满汉分城、旗民分治管理政策的历史背景下的北京城市民间借贷现象的某些具体内涵。所搜集的40件借契毕竟数量有限,不足以完整地反映清代北京城市民间借贷现象的全面情况,但从中也可管窥其中之一斑,照得一隅,求证方家。 Private lending is a common economic behavior, which can be divided into mortgage loan and unsecured loan (also known as credit loan). Through a simple analysis of collecting 40 debit contracts in Qing Dynasty, Some Specific Connotation of the Phenomenon of Private Lending in Beijing City under the Historical Background of Separating the People from City and Administering the People under the Rule of People in. After all, the collected 40 borrowings are limited in number, which is not enough to fully reflect the overall situation of the private lending in urban areas in Beijing in the Qing Dynasty. However, one can still cite one piece of evidence to obtain confirmation.