社会资本理论与游离资源功能化:基于社区合作金融的考察

如果将农村资金互助视为社区内分散资金集中化、功能化运用,那么这样的资源功能化过程,有赖于社区内游离态信息与社会关系网络的激活、汇聚与利用。本文提出的社区势能指标,考虑了社区内部评价维度和基于人际关系的可用社会资源维度,是社区合作金融制度对借款人个体风险程度考量的重要标准,其表征了处于相互关系中的个体互为的信任评价和行为意愿,即其总和形成了一个互为评价和互惠性行为空间。社区合作金融组织的基本功能就是对非正式社会势能进行可操作化改造,使之效能增强,适应正式化制度建构,并实际构建了一种环状、扁平的交互监督和责任机制。这样一种去中心的、互为主体的机制,是通过强化和再生产社会势能,在微观层面上重建社会。

Reconstruction of Social Networks and Functionalization of Information: An Analysis of the Operating Mechanism of Local Community Funds Mutual Aid Organizations

In the case studied in this paper,the mutual fund Department of community cooperative organizations searches,combs and utilizes information in a specific direction,so that low-quality information can be organized and functionalized into high-quality information,thus activating and orderly utilizing the "sleeping state" information within the community. If we regard rural social fund mutual aid as a kind of centralization and functionalization of decentralized funds in the sleeping state of the community,then the process of resource functionalization is based on the activation,aggregation and utilization of free information in the community. The indices of individual community potential energy proposed in this paper,taking into account the dimension of internal evaluation and the dimension of available social resources based on interpersonal relationship,are important criteria for the consideration of individual risk degree of borrowers in the community mutual financial system. They represent the trust evaluation and behavioral willingness of individuals in the relevant relationship,that is,the sum of them forms a space for mutual evaluation and reciprocal behavior. The basic function of community mutual fund organizations is to operationalize the transformation of informal social potential energy,enhance its efficiency and adapt to the formal system construction. This strengthening process is accompanied by the reproduction of social potential energy. In fact,this is to build a circular and flat mechanism of mutual supervision and responsibility.Such a decentralized and mutually dominant mechanism is to rebuild society at the micro level by strengthening and producing social potential energy.