民间金融发展机制:社会网络嵌入的研究视角  

The Development Mechanism for Informal Finance:A Research Perspective of Social Network Embeddedness

作　　者：沙颖萍 袁仕陈[1] 

机构地区：[1]江苏大学财经学院,江苏镇江212013

出　　处：《征信》2015年第7期76-81,共6页Credit Reference

基　　金：国家社会科学基金项目(13BGL038);国家自然科学基金项目(71203080);教育部人文社科规划项目(10YJA630140和13YJA790063);江苏省博士后基金项目(1202114C)

摘　　要：民间金融根源于金融交易双方的私人关系,尤其取决于双方的信任程度。要发展民间金融,必须扩展金融参与者的社会网络边界,提升社会网络质量,并优化社会网络结构。由于社会网络的规模扩展、质量提升和结构优化都取决于参与者的信用水平,因此,金融参与人必须立足于诚信,努力提高自身的社会声誉,构建多层次、高质量的立体式社会网络体系,实现社会网络的嵌入,从而增强与网络成员之间的信任程度,最终扩大民间金融规模。Informal finance is rooted from the private relationship between financial transaction parties, especially depends on the trust degree on both sides of them. Therefore, it＇ s necessary for developing informal finance to expand the social network range for informal financial participants, improve the quality of social network, and optimize the structure of social network. Since the size expansion,quality upgrading and structure optimization of social net-work depend on the credit level of financial participants, the financial participants must base on integrity, strive to improve their own social reputation, construct a multi-level, high quality, vertical social network system, and manage to realize the embeddedness of social network, so as to enhance the degree of trust with the members of the social network and promote the scale of informal finance in the end.

关 键 词：民间金融 社会网络 信用水平 社会资本 

分 类 号：F832.4[经济管理—金融学] F272