民间信用风险控制的地方性知识与实践——基于温州钱库镇民间合会的考察

Local Knowledge and Practice of Folk Credit Risk Control:An Investigation of ROSCA in Qianku,Wenzhou

民间信用根植于特定区域的社会背景中,具有地方性特征,但是已有研究未能充分关注民间借贷背后结构性的地域社会观念。通过调查至今仍然活跃在我国浙江、福建等地的传统民间信用形式——合会,从地方性知识角度探讨民间信用的风险控制实践,并将其区分为地方性观念构造、地方性道德伦理和地方性关系规则三个维度。上述地方性知识包含了当地民众对“根”、道义和互惠等概念的诠释,呈现出民间信用风险控制的地方化逻辑。

Folk credit is rooted in the social background of a specific region and has local characteristics.How-ever,existing studies have failed to fully explain the structural regional social concepts behind private lending.Through the investigation of the traditional form of folk credit which is still active in Zhejiang,Fujian and other re-gions in China,the risk control practice of folk credit is discussed from the perspective of local knowledge,and it is divided into three dimensions:local concept construction,local moral ethics and local relationship rules.The above-mentioned local knowledge includes the interpretation of the concepts of“root”,morality and reciprocity by the local people,showing the local logic of folk credit risk control.