基于“差序格局”理论的互助联保组织变迁研究  

Study on the Changes of Cooperation Joint Guarantee Based on the“Differential Pattern” Theory

作　　者：王伟[1] 宋西圣[1] 

机构地区：[1]中国人民银行泰安市中心支行,山东泰安271000

出　　处：《金融发展研究》2013年第8期55-60,共6页Journal Of Financial Development Research

摘　　要：传统的为解决农户、小微企业等弱势群体担保资源不足而兴起的以单一契约约束为主的互助联保贷款,因违约率持续上升而面临困境。而契合中国圈层文化,引入契约安排之外的非正式"差序控制"构建的联保组织,则在有效控制违约风险、支持融资弱势群体发展等方面表现出良好的适应性。Traditional mutual guaranteed loans which are mainly constrained by single contract are aimed at help- ing disadvantaged groups such as farmers, small and micro-enterprises lacking in guarantee resources. It is now faced with the dilemma of rising default rates. In order to adjust to China＇ s layered culture, mutual joint guarantee organization that introduces informal ＂differential control＂ outside contractual arrangements have shown good adaptability in controlling default risk and supporting the development of disadvantaged groups.

关 键 词：差序格局 互助联保 组织变迁 

分 类 号：F830[经济管理—金融学]