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民间金融一直是经济学和金融学研究关注的热点议题。西方经济学对民间金融的研究以斯蒂格利茨的信息经济学和麦金农的金融压制理论为代表。国内学者多从制度经济学的角度阐述其演变过程。在经济学解释民间金融改革进程的背后,隐含着“理性人的假设”、“法律规则的真实实现”和“历史的有效率性”三大理论预设,这种预设,未必与中国社会的实践情境相符合。从金融社会学的视角重新解读民间金融,将从一个与主流经济学不同的角度,重新理解影响民间金融的社会因素和其历史逻辑。这种视角转换,不仅带来社会学自身的理论发展,也具有改变金融现状的现实意义。
Private finance has always been a hot topic of concern in economics and finance. The study of folk finance in western economics is represented by Stiglitz’s information economics and McKinnon’s theory of financial repression. Domestic scholars mostly explain the evolution process from the perspective of institutional economics. Behind the process of economic interpretation of the reform of non-governmental finance, there are three theoretical presuppositions such as “the hypothesis of rational man”, “the true realization of legal rules” and “the efficiency of history” Presupposition does not necessarily correspond to the practical situation in Chinese society. To re-interpret private finance from the perspective of financial sociology, we will re-understand the social factors and historical logic that affect non-governmental finance from a different perspective from mainstream economics. This transformation of perspective not only brings about the development of the theory of sociology itself, but also has the practical significance of changing the status quo of finance.