中国民间信用的隐性结构分析

Hidden Structural Analysis of Chinese Folk Credit

当今我国的民间信用发展迅速,已逐渐成为一种越来越重要的信用形式存在。民间信用存在和发展的原因是多方面的,但对经济利益的追求和大量中小民营企业的贷款难是民间信用得以存在和发展的根本原因。民间信用不仅仅是一个制度性问题,更深层次讲,它是以人们的习惯、民族性格、国家传统三者融合而逐渐自然形成并发展的。本文从民间信用隐性的、潜在的发展过程开始,以亲缘与血缘,礼俗与伦理在信用方面的约束来展开,从历史演化的角度来论述这个问题,探讨中国民间信用是否有其内在的维系机制和合理性以及怎样建立合理的民间信用制度。

Now the rapid development of private credit in China has gradually became more and more important as a form of credit. Its existence and development has many reasons, but the important reason is the pursuit of economic interests of small and medium - sized private enterprises and the difficult loans. The formation of civil credit is not one or two days, it is the people＇s habits, national character and national integration among the traditional natural gradually formed and development. This article from the constraint of the civil hidden credit, the potential development process combine to relatives by blood, customs and ethics of the credit, discussed the intrinsic and reasonable mechanism of the Chinese folk credit for maintaining a reasonable civil credit system in China.