信任视角下的鄂尔多斯民间借贷危机研究
Private Lending Crisis in Ordos under the Perspective of Trust

近年来，鄂尔多斯地区爆发的民间借贷危机成为学界关注的一个焦点，经济学、金融学等领域的学者纷纷给出立足本学科知识体系的解读。随着金融社会学的兴起，以社会学的理论视野和研究方法对金融领域的社会现象展开分析已经不再是一个新鲜话题。本文将基于对鄂尔多斯地区的实地调研，从信任的角度对该地区独具特色的民间借贷现象加以解读，尝试对民间借贷危机的爆发，以及由此带来的社会信任变迁给出一个合理的阐释。笔者认为，鄂尔多斯地区的民间借贷传统建立在关系信任的逻辑基础之上，民间借贷危机的生成源于以关系信任机制应对现代性风险而产生的风险失控，以及由于系统信任缺失所导致的风险内聚。在后危机时期的鄂尔多斯金融市场中，关系信任机制并未完全失灵，而是延续下来成为系统信任建构的启动媒介。
：In recent years, outbreaks of private lending crisis in Ordos has become a focus of academic attention, scholars of economics, finance and other fields have given interpretation based on their own discipline of knowledge. With the rise of sociology of financial, to analyze the social phenomena in financial sector with theoretical perspectives and research methods of sociology is no longer a fresh topic. This article will be based on the field investigation of ordos region, from the perspective of trust to interpret the unique phenomenon of private lending, try to give a reasonable explanation on the outbreak of private lending crisis and the resulting changes in social trust. The author thinks that, the private lending tradition in Ordos has been built on the logic of relational trust, the generation of private lending crisis is results of the risk out of control stems from using relational trust mechanism to deal with risk of modernity, and the inward gathering risk due to the lack of systematic trust. in the post-crisis period of Ordos financial markets, the relational trust mechanism is not completely failed, but continue to become a medium of starting the construction of systematic trust