The literature on the rural economy of the high and late Middle Ages has long established a close correlation between three significant features of the period: the spread of rural credit, the dynamism of the peasant land market and the expropriation of peasant land by the creditors, usually yeomen or urban landowners. There has even been talk for some countries (northern Italy) of a deliberate strategy of territorial conquest, insofar as the credit provided by urban lenders would aim at the expropriation of land from insolvent debtors. This article studies for the Mediterranean Spain of the late Middle Ages, and in particular for the old kingdom of Valencia, other objectives of rural credit and other alternatives to peasant expropriation in case of insolvency. Based on the rich archival holdings of the region, mainly notarial and judicial records, the article studies the dissemination of rural credit, the different modalities (short and long term), the motivations of creditors and debtors, the types of interest, the guarantors and the goods given as collateral for the loans, their confiscation in case of delay or insolvency. It concludes that, unlike elsewhere, the creditors, rather than in land, were interested in rents, that is, in the annuities paid to them by the debtors as interest on the loans obtained. The spread of long-term credit, therefore, not only did not threaten or subvert but also strengthened a system of land ownership, tenure and management based on regular rents extraction.

中晚期农村经济的文献早已确立了这一时期三个显着特征之间的密切关联：农村信用的传播、农地市场的活力和债权人对农地的征收。通常是自耕农或城市土地所有者。一些国家（意大利北部）甚至在谈论一种有意的领土征服战略，因为城市贷方提供的信贷旨在征用无力偿债的债务人的土地。本文研究了中世纪晚期的地中海西班牙，特别是古老的瓦伦西亚王国，农村信贷的其他目标以及在破产情况下农民征用的其他替代方案。基于该地区丰富的档案馆藏，主要是公证和司法记录，这篇文章研究了农村信贷的传播、不同的模式（短期和长期）、债权人和债务人的动机、利息类型、担保人和作为贷款抵押品的货物，以及在延迟或拖延的情况下被没收的情况。破产。它的结论是，与其他地方不同的是，债权人而不是土地对租金感兴趣，即债务人支付给他们的年金作为获得的贷款的利息。因此，长期信贷的传播不仅没有威胁或颠覆，而且还加强了以定期地租为基础的土地所有权、使用权和管理制度。担保人和作为贷款抵押品的货物，在延迟或无力偿债的情况下被没收。它得出的结论是，与其他地方不同的是，债权人而非土地，对租金感兴趣，即对债务人支付给他们的年金感兴趣，作为获得的贷款的利息。因此，长期信贷的传播不仅没有威胁或颠覆，而且还加强了以定期地租为基础的土地所有权、使用权和管理制度。担保人和作为贷款抵押品的货物，在延迟或无力偿债的情况下被没收。它的结论是，与其他地方不同的是，债权人而不是土地对租金感兴趣，即债务人支付给他们的年金作为获得的贷款的利息。因此，长期信贷的传播不仅没有威胁或颠覆，而且还加强了以定期地租为基础的土地所有权、使用权和管理制度。