A Sociological Study On The Form Of Private Lending Funds In China

The study of private lending is a research field which is widely concerned by economics and sociology.With the help of case study,this paper studies the form of private lending in our country from the social capital theory and the theory of difference sequence.This paper attempts to analyze the business model of private lending from the perspective of sociology.The study of the social capital theory and the social capital theory into the study of private lending is the development of the research on the theory of private lending,which makes up the limitations of the study of the folk lending to a certain extent.This study is also to understand status of private lending activities in China from the angle of sociology and the existing problems,In order to promote the long-term,private lending activities in our country,orderly and rational development,Put forward to the development of the society and the development of private lending policies,The first part:(1)private lending in China is mainly embodied in three types:personal direct lending,informal financial institutions lending,corporate lending and corporate lending between enterprises.(2)distinguish between the three types of capital forms of private lending in our country:the form of interest free loan,the form of interest loan,the form of usury.(3)based on the unstructured interview materials,the material foundation of this paper is formed.(4)China's private lending also has a positive effect on the negative role.Specifically,the positive role of private lending performance for the following four aspects:first,private lending is conducive to adjust the allocation of funds.Compared with the formal financial institutions,private lending market regulation is more obvious.Second,private lending to break the thesis,to promote financial reform and innovation.Third,private lending is conducive to the development of the private economy.Fourth,private lending is conducive to make up for the lack of personal social capital.The negative role of private lending is shown as follows:first,private lending has led to the problem of social dishonesty.Second,private lending will lead to social conflicts.Third,the private lending is easy to link with the black evil forces,increasing social instability.Second part:Analyze the form and structure characteristics of China's civil trust pattern from the perspective of macro perspective.Based on the social structure of China's differential pattern,the informal lending in China has a unique form of trust pattern.The pattern of difference sequence trust is the form characteristic of the civil trust pattern in our country.The pattern of difference sequence trust in China has its own structural characteristics,which is a prominent feature of the system from interpersonal trust to institutional trust.It should be noted that with the transformation of modern social structure,differential China trust pattern of private lending is digestion,antithetical group trust pattern need to be taken seriously and need to be set up actively and effectivelyThird part,Combined with the social capital theory and the theory of difference sequence,the operation logic of the individual social capital model is analyzed from the micro perspective.The present situation of individual social capital operation mode under the trend of modern social transformation is analyzed.The mode of individual social capital operation in the transformation of modern society is changing with the social transformation in China.(1)The mutual benefit and mutual benefit cooperation model is gradually replaced by the mutual benefit cooperation model.(2)The traditional morality and the relationship between the clan and the clan are declining,and the democratic legal system has gradually become the main force of social integration.In the fourth part,the thesis summarizes the full text from five aspects,and points out the possible direction of further research from the theoretical and practical aspects.