CAJ | 학술논문

制度作为影响金融发展的重要动因受到广泛关注，但众多资料集中在正式制度（法律、政治、产权）方面，鲜有从宗教学、民族学、社会学、人类学的非正式制度视角综合论述其与金融发展的关系。本文在梳理总结国内外文献的基础上，创新性地从多学科交叉的角度出发，以我国西部普遍存在的多元化宗教信仰和多样化民族传统为研究对象，试图阐明其对金融发展的作用机制，并在此基础上指出重视宗教信仰、民族传统对于我国经济金融协调发展，对于维护民族团结和社会稳定的重大意义。
제도작위영향금융발전적중요동인수도엄범관주，단음다자료집중재정식제도（법률、정치、산권）방면，선유종종교학、민족학、사회학、인류학적비정식제도시각종합논술기여금융발전적관계。본문재소리총결국내외문헌적기출상，창신성지종다학과교차적각도출발，이아국서부보편존재적다원화종교신앙화다양화민족전통위연구대상，시도천명기대금융발전적작용궤제，병재차기출상지출중시종교신앙、민족전통대우아국경제금융협조발전，대우유호민족단결화사회은정적중대의의。
As a significant factor, the institution which impacts financial development attracts widespread attention. Although there are numerous literatures on formal institutions （ law, politics and property rights） , few literatures discuss the relationship between infor-mal institutions and financial development from the perspective of religious studies, ethnology, sociology or anthropology. This paper summarizes the literatures and data from multiple disciplines perspectives home and abroad and creatively studies diverse religious be-liefs and national traditions popular in the West of China, trying to clarify its influence on financial development. Finally, this paper points out it is significant to attach importance to the impact of religious beliefs, national traditions on the coordinated development of Chinese economy as well as the maintenance of national unity and social stability.