论“合会”的信任机制

On the Trust System of "Credit Cooperative"

作为国家正规金融组织之外的民间非正规金融互助组织——"合会",在乡土社会中发挥了重要的经济和社会功能。尽管缺乏国家正规金融制度的外在监控,但由于其成员结构不仅蕴含着亲缘性利他的社会生物学基础,而且,乡土社会所具有的"熟人社会"和"不流动性"的结构特征与传统社会的价值观等多位一体,构成了坚实的特殊信任,形成了具有本土化特色的信任文化。

As our country＇s non-state financial cooperative, “Credit Cooperative” draws an important role of economic and social function in the rural society. Although it lacks macro- control of state＇s formal financial system, “Credit Cooperative”, with its combined characteristics of altruistic social biological fundamental, structural features of “acquaintance society” and “illiquidity”, and traditional society＇s outlook of value, forms a firm and special localized trust culture.