Study On The Custom Of Folk Credit From The Perspective Of Village Community

The folk credit custom belongs to the research category of folklore economics,which is widely popular in the area of Wenzhou.After re-sorting the history of folk credit in the area of Wenzhou,this paper takes the author's mother's home— TAI XI Village as a case,carries on the first-hand investigation for the current situation of the folk credit and then it grasps the massive first-hand data,on this basis,it deeply analyzes the folk credit custom to carry on the analysis research,this paper analyzes the customs of folk credit,explores the contents of folk credit custom,and probes into its operation mode and its causes and evolution.The full paper is divided into five parts.The first part is introduction.The introduction includes the reason of the topic,research significance,definition of concept,literature review,research method,the point of innovation and the outline of the TAI XI Village.On the research of folk credit,especially the research on the folk credit in the area of Wenzhou,many scholars have expressed their views from the angle of economics,but you rarely see that taking the folk credit custom as the cut-in point.The key point of this paper is to carry on the study the folk credit customs in the village.The second part is the folk credit survey of TAI XI Village.As a traditional clan surname village,the folk economic model in the village,especially the folk credit form,is changing with the reform and opening up and the young villagers going out.This chapter settles the history of folk credit in Wenzhou and TAI XI Village,and combs the present situation of the folk credit in TAI XI Village by means of questionnaires and visits to local villagers,and analyzes the relationship among the variables in the questionnaire by means of statistical analysis.The third part is the classification and composition of the folk credit customs in TAI XI Village.The current folk credit in TAI XI Village is mainly about money-borrowed,so this chapter focuses on the contract,interest,guarantee and the possible changes and defaults in the process of money borrowing and lending.At the same time,this chapter also introduces the customs of the real loan and pre-purchase credit of the TAI XI Village.The forth part analyzes the operation mode and the cause and evolution of the folk credit custom in the village from the perspective of the village culture.A pattern of behavior is not an overnight practice to be a folk custom,this chapter uses the theory of game theory to analyze how the folk credit practices in TAI XI Village operate within the village community and how to generate and diffuse so as to stabilize.The fifth part is the conclusion.By reviewing the main contents of this paper,this paper sums up and analyzes the folk credit customs of TAI XI Village,and provides some opinions on how to solve the civil economic disputes in the future.