摘要
中国农村的资金互助社是一种由民间自发组织新型农村金融机构,受到广大农民的欢迎和政府的承认。在社会资本理论的视角下,对农村互助资金社的运行机制梳理。研究表明,一方面,互助社吸收了传统社会资本,在互助社成立初期起到了积极作用:降低了交易成本、规范了社员的行为、加强了信贷风险控制;另一方面,由于农村的社会网络仍是以人情为主的传统网络,这样的网络由于其封闭性和特殊的信任机制,不利于互助社的进一步扩大。
China's rural credit union funds is a new rural financial institutions, which are self-organized and welcomed by the majority of farmers, also recognized by the government. The author attempts to tease the operational mechanism of rural credit union funds, based on the social capital theory. Research shows that, the credit union at the primary stage absorbed the traditional social capital, which has played a positive role in reducing the transaction costs, regulating the behavior of members and controlling the credit risk, etc. However, the social networks is still a human society in the countryside, and its special closeness and trust mechanism will exert negative effects on the further development of the rural credit union funds.
出处
《华中师范大学研究生学报》
2015年第1期1-7,共7页
Central China Normal University Journal of Postgraduates
关键词
社会资本
信任
社区规范
封闭性
the social capital
trust
community specification
closed nature
