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因民间借贷过滥而引发的民间金融风险问题在当前大有威胁实体经济健康发展和社会正常秩序之趋势,这也是当前学术界和实务界高度关注和讨论的热点问题。本文基于新经济社会学的基本理论框架,构建了一个探讨社会网络、结构洞与民间借贷风险之间作用机制的理论解释逻辑,对民间借贷风险的形成机理提出了三个理论命题:民间借贷的经济行为内嵌于社会网络的信任结构之中,结构洞是社会网络的信任结构向社会网络的逐利结构转化的原因,民间借贷风险的累积是社会网络逐利结构中的结构洞不断扩展和叠加的结果。而后通过吴英民间借贷行为的单案例研究对上述理论命题进行验证。
At present, the issue of civil financial risk caused by over-lending of private loans threatens the healthy development of the real economy and the normal social order. This is also a hot issue that has been paid close attention and discussed by academics and practitioners at present. Based on the basic theoretical framework of New Economic Sociology, this paper constructs a theoretical explanation logic of exploring the mechanism of the interaction between social network, structural hole and private lending risk, and puts forward three theoretical propositions on the formation mechanism of private lending risk: private lending The economic behavior is embedded in the trust structure of social network. Structural hole is the reason why the trust structure of social network is transformed to the profit-seeking structure of social network. The accumulation of private lending risk is the continuous expansion of the structural hole in the social-profit structure of the social network. The result of the overlay. Then, we verify the above theoretic proposition through a single case study of Wu Ying’s private lending behavior.