The Research On The Trust In Rural Free Debit And Credit In Present Wenzhou Area

Nowadays, fund shortage is the important factor that obstructs the development of rural economic and the improvement of rural citizens' life level. Free debit and credit is a way of financing besides the formal finance. Due to the characteristics of simpleness, flexibility and effectiveness, free debit and credit is becoming an important method for the rural citizen to club resources to solve the fund shortage in production and living fields. As the intrinsic mechanism for the happening of folk money lending, on one side, trust probabilizes the lending activity, on the other side, trust simplifies the complicated lending activity so that people can make quick decisions. This research will put the trust into the specific situation of rural free debit and credit, choose the lender who carry out the trust as the research object, mainly use the theories and methods in sociology, describe the general situation of the trust in rural free debit and credit in present Wenzhou area, and analyze the factors of trust and functions of free debit and credit. The whole article includes five parts as follows:The first part is introduction. It mainly introduces the question proposed, the research purpose and significance, the research innovation, the literature summarize, the research design and research technique.The second part is the general description and dimensional analysis of the trust in rural free debit and credit. It mainly introduces the dimensional and inherent relation of the free debit and credit between general trust level,trust view between interpersonal and systemic trust view which is based on the view of credit side in the current Wenzhou rural area.The third part analyse the factor that effect the trust in the rural free debit and credit, which is mainly divided into social demology characteristic of the trust side,cognize of the debit and trust and risk cognize.The forth part introduce the characteristic and function analysis of the rural free debit and credit which mostly analyse four characteristic and four suggestion of the debit and credit trust.The fifth part suggestion and discussion summarize the preamble before, and make corresponding suggestions about how to maintain and use these trust.