农村民间借贷行为中农户社会资本匹配研究——关系嵌入视角

发布时间：2018-06-22 04:09

本文选题：民间借贷 + 社会资本　；参考：《现代财经(天津财经大学学报)》2014年09期

【摘要】：我国农村大量零利息和高利息并存的民间借贷现象表明农村的民间借贷并非孤立存在的经济行为。社会资本理论表明社会主体存在非经济的资源禀赋,社会交换理论认为社会主体因期望报酬而从事交换行为,并且交换对象和报酬大大超越了经济范畴。基于以上理论,依据Grannovetter的嵌入分析范式对农户民间借贷行为的发生机理及利率的确定进行了探讨。结合对典型案例的剖析,本文验证了农村民间借贷行为嵌套于更大范围的农村社会交易活动中,农户基于借贷交易和相关社会交易的综合收益做出借贷决策,借贷交易的最终结果是借贷双方以各自所拥有的社会资本为标准实现匹配。
[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.
【作者单位】：中国人民大学财政金融学院;南京农业大学金融学院;
【基金】：国家自然科学基金项目(71273138)
【分类号】：F832.43;F323.6

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