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温州一起民间金融个案表明,当地熟人社区中的民间金融合约关系主要依靠习惯法来调整。社区成员依照习惯法立约、履约,由此积累经济资源、拓展人际信任网络和获得社会合法性,违反者则会遭受来自习惯法的群体性强制和惩罚,基层政府不能完全依法调整民间金融活动,并有限默认了习惯法的存在。习惯法本身在实践过程中也经历了小农互助、商业营利、政治嵌入三类逻辑的演化更替。“,”An informal finance case in Wenzhou indicated that the informal finance contracts in Local acquaintance communities were mainly regulated by customary law.The members of these communities conclude and execute financial contracts in accordance with customary law,thereby accumulate economic resources,expand the network of interpersonal trust and access to social legitimacy,but the offenders will suffered from enforcement and punishment of mass.The basic government can not regulate the informal financial activities according to state law completely,and acquiesce the existence of customary law within limits.The customary law itself experienced three practical logic processes,including rural mutual aid,commercial profit-seeking,and political embedding.