Research On Social Capital Of Rural Credit Mutual Aid Organizations In Shandong Province

The focal point of rural financial development in China is the imbalance between supply and demand of rural finance and the obstacle to sustainable development of rural economy.Therefore,in recent years,our country reduces the barriers to entry of rural financial institutions with banking,promote the healthy development of the new type of rural cooperative financial organizations,in order to build diversified and inclusive rural financial service system.Under such a policy environment,Shandong province has carried out a pilot project of new rural cooperative finance,established rural credit mutual assistance organizations,and hoped to use me as a means of mutual assistance for everyone,and finally alleviated the financing difficulties in rural areas for my self-service purpose.The practice shows that because of the social order structure of rural society in China,the organization's internal structure is transparent,the members are familiar with each other,and the higher default cost,the social capital can promote the good credit environment,and can give full play to the asset characteristics of social capital and reduce the financing cost.The innovation and spirit of the rural credit support group is now the most efficient way to make rural credit support groups,to promote the development of rural credit support groups,to promote the development of rural credit support groups,which is the ultimate goal of the development of the new rural cooperative finance in our country.Based on the definition of rural credit mutual organization,this paper sorts out the existing literature.The theoretical analysis framework of the research subject is preliminarily constructed,such as cooperative financial theory,rural financial system,and Chinese rural social structure.The study analyzed the social capital characteristics and classification of credit mutual organizations,and established three social capital dimensions,including the level of trust among the members of the organization,the level of trust between the members and the level of confidence of the members and the confidence level of the members,respectively,and the relationship between the degree of membership participation and organizational performance,and five research hypotheses were put forward:Hypothesis 1.The level of trust among members of the organization is positively correlated with the participation of membersHypothesis 2.The level of trust of managers in the organization is positively correlated with the participation of membersHypothesis 3.The level of confidence of members in the organization is positively correlated with the participation of membersHypothesis 4.The external social capital is positively correlated with the participation of membersHypothesis 5.The degree of organizational involvement is positively correlated with organizational performance.Subsequently,this paper analyses the operation mode,status quo and development advantages of rural credit mutual organization in shandong province,through trial investigation and formal investigation to construct the questionnaire in two steps.To distinguish the truthfulness of the questionnaire,we randomly set up four different questions,and finally,based on the data collected,we build the empirical model,and we have an empirical analysis.Research findings:(1)the five hypotheses proposed in the previous article were established;(2)the participation behavior of the members of the organization plays an intermediary role;(3)the level of trust among members within the organization and the level of confidence that members have had on management's confidence levels have the strongest impact on the performance of the organization.Therefore,two Suggestions are put forward according to the research conclusion.On the one hand,the mutual aid organization should establish an internal credit rating working group of rural credit support organizations.On the other hand,the organization management should also pay attention to improve the operation mechanism of the organization and improve its management service level.