乡村借贷、非正式治理与信贷效率——基于维吾尔借贷契约的历史启示

发布时间：2018-06-30 04:32

  本文选题：借贷契约 + 非正式制度　； 参考：《上海经济研究》2017年09期

【摘要】：以保留存世的维吾尔"民间契约文书"为史料来源,从历史和制度的视角研究借贷契约的形式及运作原理,探讨对当代维吾尔乡村借贷的治理机制的启示。研究显示,契约文书烙有深刻的乡村传统智慧,它影响到新疆维吾尔村民生活诸方面,对于民间借贷的特征具有很强解释力,尤其是对借贷执行的解释上更能与史料吻合。农户面临的信贷约束离不开高违约率的挑战,因此需要构建能够有效地应对防范风险的借贷治理机制至关重要。为此,该文以维吾尔乡村借贷中民间非正式治理机制为切入点,从经济学角度对其进行分析,从而观察维吾尔乡村社会民间借贷治理的微观机理,并指出除了国家正式制度设置外,其农村信贷核心制度设计却在于挖掘和发挥非正式制度,以使不同治理机制与之相匹配,促进农村信贷市场的发展。这对一个地区农村民间金融治理方面将会起到重要的维护作用。
[Abstract]:From the perspective of history and institution, this paper studies the form and operating principle of the loan contract, and discusses the enlightenment to the governance mechanism of the contemporary Uygur rural lending. The paper takes the "folk contract document" as the historical source of historical data to study the form and the operating principle of the loan contract from the perspective of history and system. The research shows that the contract document has profound rural traditional wisdom, which affects the life of Uygur villagers in Xinjiang, and has a strong explanatory power for the characteristics of folk lending, especially the interpretation of loan execution can be more consistent with historical data. The credit constraint faced by farmers is inseparable from the challenge of high default rate, so it is very important to construct a loan governance mechanism that can effectively cope with the risks. Therefore, this paper analyzes the informal governance mechanism in Uygur rural lending from the point of view of economics, so as to observe the micro-mechanism of the governance of rural Uygur rural folk lending. It also points out that the core system of rural credit is designed in order to match different governance mechanisms and promote the development of rural credit market. This will play an important role in maintaining rural private financial governance in a region.
【作者单位】： 陕西师范大学国际商学院;陕西师范大学西北历史环境与经济社会发展研究院;陕西师范大学金融研究所;
【分类号】：F327;F832.4
，

本文编号：2084904