Empirical Research On The Relation Between Rural Marriage Expenses And Rural Social Security Based On Folk Finance

As an important part of Chinese traditional culture, marriage custom reflects profoundly social and economic state of certain period in one area. Under the circumstance of no perfect rural social security system in our country, rural social security depends mainly on peasant's traditional family security, whose foundation are family members, land and money wealth accumulation. According to rural custom, because marriage means for girl transfer of her family membership in law, rural marriage activity sways the foundation of peasant's family security, and increase the risks of peasant's family development. It is obvious that rural marriage activity and their funds flow must contain some elements of social security arrangement.For a long time, our formal financial system can't meet various peasant's real demands for funds, which provides space and conditions to rural folk finance activity. Compared with formal finance, rural folk finance activity has advantages in meeting rural environment and peasant's real demands, and also runs more efficiently. All kinds of folk finance activities balance funds between families in country, keep well the stable running of peasant's production and life, and facilitate development of rural economy. Meanwhile, we can't ignore the intrinsic risks of rural folk finance activity and its side effect on rural society and economy.This paper bases on a viewpoint of folk finance, goes deep into country to investigate with the method of questionnaire and then discusses the relation between female human capital transfer and risks of peasant's family development contained in rural marriage activity, which provides a financial theoretical base for research on construction of rural social security system. The paper is divided into five parts,The first part summarizes basic theoretical category of folk finance, such as definition, character, merit, defect etc. Meanwhile, it synoptically describes the basic content of our rural social security and difficulties it faces at this moment.The second part first points out that traditional family security remains dominating means of our rural social security, and folk finance activity has important effect on rural family security. Then, it puts forward theoretical hypotheses of this paper and then depicts the empirical research means to validate the previous hypotheses.The third part makes simple statistical analyses, metrological regression analyses and their tests to the questionnaire. This part first analyzes separately samples of Shandong Province and Xinchun County of Hubei Province, then contrasts the investigation results from the two places. Last, it makes multi-variable regression analyses, and then tests their results. It proves that the theoretical hypotheses this paper put forward are basically effective.According to above-mentioned analyses and discusses, the fourth part makes relevant improvements and complementarities and then refines some inspirations about constructing rural social security. In the end, it draws conclusions of this paper, which conclude that family risk caused by rural girl's marriage is one of roots of demand for rural social security, and the positive effect of rural folk finance activity supports the maintenance and developing of rural traditional family security in some way.The last part bases on former conclusions, gives out several policy suggestions with pertinence about developing folk finance and rural social security system.