本文選題：民間借貸 + 社會(huì)資本�。� 參考：《現(xiàn)代財(cái)經(jīng)(天津財(cái)經(jīng)大學(xué)學(xué)報(bào))》2014年09期

【摘要】：我國(guó)農(nóng)村大量零利息和高利息并存的民間借貸現(xiàn)象表明農(nóng)村的民間借貸并非孤立存在的經(jīng)濟(jì)行為。社會(huì)資本理論表明社會(huì)主體存在非經(jīng)濟(jì)的資源稟賦,社會(huì)交換理論認(rèn)為社會(huì)主體因期望報(bào)酬而從事交換行為,并且交換對(duì)象和報(bào)酬大大超越了經(jīng)濟(jì)范疇�；谝陨侠碚�,依據(jù)Grannovetter的嵌入分析范式對(duì)農(nóng)戶民間借貸行為的發(fā)生機(jī)理及利率的確定進(jìn)行了探討。結(jié)合對(duì)典型案例的剖析,本文驗(yàn)證了農(nóng)村民間借貸行為嵌套于更大范圍的農(nóng)村社會(huì)交易活動(dòng)中,農(nóng)戶基于借貸交易和相關(guān)社會(huì)交易的綜合收益做出借貸決策,借貸交易的最終結(jié)果是借貸雙方以各自所擁有的社會(huì)資本為標(biāo)準(zhǔn)實(shí)現(xiàn)匹配。
[Abstract]:The phenomenon that a large number of non-interest and high interest co-exist in rural areas indicates that rural folk lending is not an isolated economic behavior. The theory of social capital shows that the social subject has non-economic resource endowment. The social exchange theory holds that the social subject is engaged in exchange behavior because of expected remuneration, and the exchange object and reward greatly exceed the economic category. Based on the above theory, the mechanism of folk lending behavior and the determination of interest rate are discussed based on Grannovetter's embedding analysis paradigm. Combined with the analysis of typical cases, this paper verifies that the rural folk lending behavior is nested in a wider range of rural social transactions, and farmers make lending decisions based on the comprehensive income of loan transactions and related social transactions. The end result of the loan transaction is that the borrower and the borrower match according to the social capital they own.
【作者單位】： 中國(guó)人民大學(xué)財(cái)政金融學(xué)院;南京農(nóng)業(yè)大學(xué)金融學(xué)院;
【基金】：國(guó)家自然科學(xué)基金項(xiàng)目(71273138)
【分類號(hào)】：F832.43;F323.6

【相似文獻(xiàn)】

相關(guān)期刊論文 前3條

1 胡金華;農(nóng)民求資的難點(diǎn)與化解方略[J];老區(qū)建設(shè);2004年01期

2 勾德斌，劉俊杰;農(nóng)村資金融通形式探析及改革建議[J];金融理論與實(shí)踐;1994年06期

3 李明賢;給農(nóng)村民間金融適度的發(fā)展空間[J];調(diào)研世界;2003年02期

，

本文編號(hào)：2051514