本文選題：民間借貸 + 社會資本��； 參考：《現(xiàn)代財經(jīng)(天津財經(jīng)大學學報)》2014年09期

【摘要】：我國農(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)濟行為。社會資本理論表明社會主體存在非經(jīng)濟的資源稟賦,社會交換理論認為社會主體因期望報酬而從事交換行為,并且交換對象和報酬大大超越了經(jīng)濟范疇�；谝陨侠碚�,依據(jù)Grannovetter的嵌入分析范式對農(nóng)戶民間借貸行為的發(fā)生機理及利率的確定進行了探討。結(jié)合對典型案例的剖析,本文驗證了農(nóng)村民間借貸行為嵌套于更大范圍的農(nóng)村社會交易活動中,農(nóng)戶基于借貸交易和相關(guān)社會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資本為標準實現(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】： 中國人民大學財政金融學院;南京農(nóng)業(yè)大學金融學院;
【基金】：國家自然科學基金項目(71273138)
【分類號】：F832.43;F323.6

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本文編號：2051514