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民间金融活动在农村社会经济发展进程中发挥着重要的作用。本文以温州瑞安市T镇的个案调查资料为基础,对民间借贷过程中的农户行为倾向进行了理性、客观的分析,认为在现行的借贷框架下,贷方的行为具备主动性、选择性、隐秘性和趋利性四大特征;贷方之间以竞争、合作为关系取向;借贷双方的关系基础是以关系、信用为基础的社会资本储量。
Non-governmental financial activities play an important role in the process of rural social and economic development. Based on the case investigation data of T Town in Rui’an, Wenzhou, this paper analyzes the peasant households’ behavioral tendencies in the process of private lending in a rational and objective way. It holds that under the current framework of lending, the behavior of lenders is proactive, selective and secret Sexuality and profitability. The relationship between lenders is based on competition and cooperation. The relationship between lenders and borrowers is based on social capital reserves based on relationship and credit.