Social capital is the interpersonal relationship and network based on trust, reciprocity and social norms.Closed social structure is the condition of social capital working and also the primary cause of the negative function of social capital.The paper introduces in rural social capital to analyze rural social networks, norms and trust which is the foundation of Rural Fund Cooperatives, and it shows that the closed rural social structure is playing a positive role in the early stage of its establishing, but restricts the development and innovation in the long term.%社会资本是以信任、互惠和社会规范为基础的人际关系及关系网络,封闭性的社会结构是社会资本发挥作用的条件,也是社会资本产生消极功能的根本原因。本文通过在农村资金互助组织的生发基础研究中引入农村社会资本,对组织所处的农村社会网络、规范和信任进行分析,发现农村社会结构的相对封闭性在组织设立初期起到积极作用,但它制约组织的长远发展和成员的创新活动。
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