Rotating savings and credit associations as traditional mutual help networks in East Asia
Rotating savings and credit associations as traditional mutual help networks in East Asia
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储蓄和信贷协会轮流成为东亚传统的互助网络
DOI：
10.1017/s1479591421000036
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发表时间：
2021
期刊：
影响因子：
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通讯作者：
Morio Onda
中科院分区：
文献类型：
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作者：
阪本博志;阪本博志;阪本博志;阪本博志;阪本博志;阪本博志;阪本博志;阪本博志;阪本博志編・解題;阪本博志編・解題;土屋礼子・井川充雄編;阪本博志編・解題;佐藤直由・猪股歳之;阪本博志編・解題;阪本博志編・解題;阪本博志編・解題;阪本博志編・解題;河合榮治郎研究会編・川西重忠編著;阪本博志編・解題;阪本博志編・解題;阪本博志編・解題;土屋礼子・井川充雄編;阪本博志編・解題;工藤保則・西川知亨・山田容編;西村大志・松浦雄介編;工藤保則・西川知亨・山田容;西村大志・松浦雄介;土屋礼子・井川充雄;谷川建司・須藤遙子・王向華;Morio Onda
本文将小额信贷描述为东亚地区传统的互助网络系统。这些被称为“旋转储蓄和信贷协会”（ROSCAS），也可以在其他领域看到。小额金融是指投入资金较小、由会员管理的金融。互助行动分为三类：互惠行动、再分配行动和单向行动。再分配的内容是劳动力、商品和货币。 ROSCAS 是货币的分配行为。它在日本被称为 tanaomoshi 或 mujin。 ROSCAS 有不同的名称：韩国的 ke、中国的 kai (huì) 和台湾的 hyokai (biāo huì)，可以通过访谈调查和实地调查的结果与已经充分研究的日本案例进行比较。本文的目的是表明 ROSCAS 不仅在经济上而且在友谊和纽带方面也具有重要的社会意义。经济植根于社会关系和制度之中。尽管ROSCAS几乎从现代生活中消失，并且有些是利益导向的，但它们为可持续社区做出了贡献，在东亚仍然可以被识别。该论文的结论是，现代社会最好重新考虑将 ROSCAS 作为互助网络，以寻找重建社区的方法。
This paper presents micro finance as a traditional system of mutual help networks in East Asia. These are called “Rotating Savings and Credit Associations” (ROSCAS) and can also be seen in other areas. Micro finance means that invested money is small and managed by members. Mutual help actions are divided into three categories: reciprocal, redistributional, and unidirectional action. The content of redistribution is labor, goods, and money. ROSCAS are the distributional action of money. It has been called tanaomoshi or mujin in Japan. ROSCAS have different names: South Korean ke, Chinese kai (huì), and Taiwanese hyokai (biāo huì) can be compared with the already well-studied Japanese case through the results of an interview survey and fact-finding fieldwork study. The purpose of the paper is to show that ROSCAS are important not only economically but also socially in terms of friendship and bonds. The economy is embedded in social relations and institutions. Although ROSCAS have almost disappeared from modern life and some are interest-oriented, they contributed to sustainable communities and can still be identified in East Asia. The paper concludes that modern societies might do well to reconsider ROSCAS as mutual help networks in search of ways of reconstructing communities.