弱关系型民间借贷的运行逻辑与实现机制--以山西田村调查为例

民间借贷行为在农村一直普遍存在，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。

On the Operation and Realization Mechanism of Private Lending Based on Weak Relation---Take Tian Village in ShanXi Province as an Example

Private lending exists in villages all the time. This paper analyses this phenomenon from the perspective of the informal subject of rural financial supply. In Tian village of ShanXi province—a typical representative of economic undeveloped and social low?grade differential area, private lending not only exists among strong relation groups, such as relatives and friends; but also plays an important role among weak relation groups, such as common villagers. Different from the rational behavior among strangers under market economy, this kind of private lending follows an operating mechanism of reciprocity and morality, whose realization relies on the villages? public credit system. Mutual aids among villagers, that are, ceremonially mutual aid and daily life, lay a social foundation for the villages'public credit system.