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民间借贷行为在农村一直普遍存在,本文主要从农村金融供给的非正式主体角度出发对这一现象进行分析。山西田村作为经济欠发达与社会低度分化地区的代表,其民间借贷行为除了发生在强关系的亲戚朋友之间,以第三方主体为中间人的弱关系的村民间借贷也占据一定地位。不同于市场经济下陌生人间的理性行为,弱关系的民间借贷行为遵循着互惠与道义的运行逻辑,而互惠与道义的实现依托于村庄公共信用体系。村民间互助即仪式性互助与日常生产生活互助奠定了村庄公共信用体系的社会基础。
Private lending has been widespread in rural areas, this paper mainly analyzes the phenomenon from the perspective of the informal main body of rural financial supply. As a representative of economically underdeveloped and underdeveloped areas in Shanxi, Tamura has its own private lending activities that take place between the relatives and friends of the strong relations and the weak loans of the third party as the middleman. Different from the rational behavior of strangers in a market economy, the private lending of weak relations follows the operating logic of reciprocity and morality, while the realization of reciprocity and moral reliance is on the village public credit system. Mutual assistance between villagers, that is, ritual mutual aid and daily production and living mutual assistance, laid the social foundation of the village public credit system.