信任何以被摧毁?——基于西北地区F县民间借贷危机的考察  

How is Social Trust destroyed-Based on investigation of F County in Northwest

作　　者：程军[1,2] 刘玉珍[3] Cheng Jun;Liu Yuzhen

机构地区：[1]南京工业大学法学院 [2]河海大学管理科学与工程流动站 [3]河海大学公共管理学院

出　　处：《中国研究》2019年第2期181-194,230,231,共16页China Studies

基　　金：教育部人文社会科学基金课题乡村振兴进程中农村弱势群体获得感的生成与提升研究(19YJC840006);江苏高校哲学社会科学重点研究课题新时代江苏乡村振兴战略的实施路径研究(2018ZDIXM120)资助

摘　　要：传统的民间借贷是以熟人社会的信任为基础的,是一种互惠性、道义性的社会互动。基于煤炭金三角地区F县的田野调查,发现民间借贷呈现诸多新特点,但担保方式依然沿袭传统,致使其本身蕴含着高风险。本文在描述F县民间借贷发展过程的基础上,阐释了信任在其中的演变逻辑。研究发现:信任在关系运作中建立,在互相为利中得以巩固,在情境建构中被扩大,在规范失效后被摧毁。规范失效在实践中体现为习俗类规范与法律类规范的双重失效。信任容易被摧毁,重建却异常困难,这必将成为煤炭金三角地区社会经济发展的桎梏。Private lending in traditional society is based on the trust of acquaintance society,and is a reciprocal and moral social interaction. Private lending in modern society has shown many new features in the new period,but still follows the traditional way of guarantee,which caused highly risk. Affected by the trading environment and the behavior of trading entities,the collapse of private lending triggered a crisis of trust. Taking F county in the coal"Golden Triangle"area as an example,describes the development of private lending and explains the logic of the evolution of trust. The study found that: both the borrower and the lender establish trust in the operation of relations,consolidate trust in mutual benefit and expand trust in situation construction,but trust destroyed after the failure of social norms. Trust plays a vital role in economic development. It is easy to destroy trust,but rebuilding of trust is extremely difficult. This will surely become a panacea for economic development in the coal "Golden Triangle" area.

关 键 词：民间借贷 信任 规范失效 

分 类 号：F832.4[经济管理—金融学]