中国农村民间金融的内生成长——基于社会资本视角的分析

The Endogenous Development of Rural Civilian Finance in China——An Analysis Based on the Perspective of Social Capital

农村民间金融的交易渠道主要依靠村落人际关系网络,相互之间的信任成为其交易的基础;基于血缘、地缘和业缘的关系型民间信用借贷具有"自我履行"的功能,使农村民间金融能够从农村独特的社会环境中内生出来;随着农村人际关系的稳定性和同质性下降,特殊性信任基础弱化,金融交易的风险和成本增加,农村民间金融呈现出内生的层阶递进性;中国农村由"道义金融"向"契约金融"转变,尚需经历较长时间。

The main dealing way of rural civilian finance depends on the interpersonal relationship network and credit among them is the foundation of dealings. Based on consanguinity, the geographleal relationship and the professional relationship, rural elvilian credit loans have the self-fulfilling function, which makes rural civilian finance develop endogenously from the unique rural social circumstance. With the deseending of the stabilization and homogeneity of the interpersonal relationship, the weakening of the special trust foundation, and the increasing of the risk and cost of finance dealings ,rural civilian finance upgraded endogenously in sequence. It will take a long time for the rural civilian finance of China to transform from ＂morality and justice finance＂ to ＂contract finance＂.