陕北农村民间信贷原因的社会学分析

The Sociological Analysis of North Shaanxi Rural Folk Credit's Reasons

农村民间信贷是一种非正式的民间金融运行机制,其特点是在银行体系之外,在实际活动中双方直接见面。这种信贷在陕北农村地区有着广泛的群众基础,其规模也在逐渐扩大。它作为一种独特的社会现象根植于当地传统文化之中,有着深刻的社会经济文化根源,其生成也是同其所处的经济背景紧密相关的。陕北农村各类经济的快速发展与其面临的资金困境之间的矛盾是该地区农村民间信贷发展壮大的客观背景。各种经济和社会条件等因素使得陕北农村地区的民间信贷不仅在当前存在,而且在今后一段相当长的时期内会一直延续下去。

Rural folk credit is a kind of informal financial operation mechanism, which is characterized in the bank- ing system, in the practical activities the two sides meet directly. It is under the influence of market economy and the traditional thoughts, has very strong vitality, especially in the rural society of China always has a special signifi- cance. Social transformation, rural folk credit more frequently, showing a growing trend. This article mainly from the angle of economic sociology in North Shaanxi rural folk credit prevailing winds cause are expounded, in order to get a new knowledge about rural credit and rural social transformation.