非正规金融发展、信任与中小企业互助融资机制——基于温州苍南新渡村互助融资的实地调查

非正规金融对解决中小企业融资起了很大作用，作为非正规金融的一种组织形式，互助融资主要形成并运行于中国的乡土社会，以亲缘和地缘为基础的乡土社会人际信任机制如互助与亲缘利他、人情、面子、熟悉、定栖等维持着互助融资的正常运行。文章以温州苍南龙港镇新渡村为例，通过调研发现，超过熟人的边界或者脱离人情机制，互助融资将可能出现倒会并引发大范围的风险。伴随着社会转型，乡土社会的人际信任逐渐向制度信任转变，互助融资的运行机制也发生相应的转变，但实际情况表明，中小企业互助融资的正常运行仍然依靠乡土社会的人际信任机制来维持。

Informal Finance Development,Trust and Mutual Finance of SMEs——based on field investigation into mutual finance in Xindu village

Informal finance plays an important role in the development of Small and Medium-sized Enterprises. As one of the informal finance organizations, Mutual Finance was formed and kept in rural community as the folk finance, and maintained its normal function by inter-personal trust in rural community such as Mutually, Favor, Mianzi, Familiarity, Dingqi and so on. Based on the investigation in Xindu village, we find that mutual finance would be stopped and induced large-scale risk if it overran familiarity bound...