农村金融的组织形态、运作逻辑与结构嵌入

Rural Financial Organization:Its Organization Structure, Operation Logic and Embedded Structure

文章以组织化程度与借贷经济代价为维度,解析了民间借贷、民间金融组织、高利贷和银行四种农村金融形态的组织特征,通过比较发现,上述四种金融形态在借贷资源的丰富程度、交易成本/手续、监督成本以及互动逻辑上存在着差异,这些差异形塑了不同金融形态在具体实践中独特的成本与收益结构,形成各自的比较优势。通过对农村民间金融组织这一特定金融形态的产生与运作过程分析后发现,农村金融形态所嵌入的社会结构与制度结构既决定了其自身的组织特征,也影响了农民对金融资源获取路径的偏好。

This paper establishes a comparative framework among different financial organizations existing in the rural society, and further analyzes the distinguishing features of those organization forms on the basis of organization level and debit cost. It take an internal perspective to compare the morphological differences of the rural financial organizations from the aspects of monitoring costs, transaction costs, loan income, interest and transaction logic level. Taking the grassroots financial organization as an example, the paper also takes the external perspective to make the analysis on the organization＇s social structure and institutional structure, as well as the organization＇s response.