校園一隅

三鶯研究

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式微的金錢遊戲
(碩士班:歐陽倩儀) (指導教授:王雅各)

刊登日期:2008-08-31  
友善列印


  • 研究生: 歐陽倩儀
  • 論文名稱: 式微的金錢遊戲
  • 指導教授: 王雅各
  • 關鍵字: 社會資本、社會交換、合會
  • [摘要]

    本研究使用質性深度訪談法,針對宜蘭和台北地區,不論是否參加過合會的男女進行訪談,想了解不同世代、城鄉、階層、性別,參與合會的差異。

    研究敘述合會的生命歷程,從跟會動機,包括經濟和社會因素,到發展出不同的跟會策略,及最後面臨倒會,非訟的處理模式。

    過去因一般民眾和正式金融機構借貸不便,地下金融工具──合會因而盛行,隨著政府開放小額信貸及多元投資管道,衝擊到合會的生態,使得合會經濟利益慢慢消逝,現在的年輕人較不願意跟會,但其存在的社會意義,在人情、互助、認同、信任更是被彰顯。再深入看合會,到現在主要以女性為主,不論是資訊傳遞或細節操作上,而男性則是掛名非實際參與的較多。合會尤其存在於正式金融體制相對弱勢的階層中,較低階層的民眾得以透過合會,將其豐沛的社會資本轉換成經濟資本,尤其是女性或是鄉下地區的民眾,反倒是社經地位較高的民眾,為了名譽,未必會招會。


  • [ 英文摘要 ]

    In-depth interview is used in the research. Interviewers are from Yilan and Taipei, including male and female, whether they have attended Rotating Credit Association (RCA) or not. Researcher tries to figure out the differences between generation, district, status, and gender in RCA.

    Study shows the life course of RCA. Motivation of participating in RCA, in which includes both economic and social factor. The participants develop different strategies of involving RCA. More than that, how participants face the RCA fraud? The study shows the victims are inclined not bringing a case to court.

    RCA, underground financial instrument, is prevailing among general people in the past, because it was inconvenient to get money from formal financial institution at that time. As the government opens small credit and plural investment channels, these policies assault the ecology of RCA. Therefore, the economic benefits of RCA disappear slowly More and more young people nowadays, are relatively unwilling to follow the game of RCA. However, the social effect of RCA strongly reflected in, humanness, reciprocal, identification and trust among people.

    RCA relies mainly on women till now, no matter the transmission of information or operation of details. However, men are mostly the nominal participate. RCA will especially exist in the people, who are relatively weak of formal banking system. Lower status people can use RCA to change their social capital into the economic capital, especially the group of women or people in countryside area. On the other side of people in higher status, because of their reputation, who may not necessarily be the host of RCA