基于网络的组织间信任研究——中小企业的社会资本与银行信任

发布时间：2018-06-20 11:49

本文选题：能力信任 + 善意信任　；参考：《中国工业经济》2011年09期

【摘要】：本文以我国商业银行中小企业贷款业务中的"供应链贷款(纵向网络)"与"联保贷款(横向网络)"为研究对象,使用人类学和统计学的方法,从社会资本的视角研究了中小企业嵌入的组织间网络如何影响银行对中小企业的还款能力及还款意愿的信任(即:能力信任和善意信任)。研究发现,无论在纵向还是横向的组织间网络中,中小企业的结构型、关系型,以及认知型社会资本均会在不同程度上影响银行对这些中小企业的能力及善意信任。然而,纵向网络对能力信任的影响强于其对善意信任的影响;而横向网络对善意信任的影响则强于其对能力信任的影响。此外,由纵向网络产生的信任更依赖网络的学习机制,而由横向网络产生的信任则更多地源于网络的控制机制。
[Abstract]:In this paper, the "supply chain loan (vertical network)" and "UNPROFOR loan (horizontal network)" in the loan business of small and medium-sized enterprises of commercial banks in China are taken as the research objects, and the anthropological and statistical methods are used. From the perspective of social capital, this paper studies how inter-organizational networks embedded by SMEs affect banks' trust in their repayment ability and willingness to repay (i.e. ability trust and goodwill trust). It is found that in both vertical and horizontal inter-organizational networks, the structural, relational, and cognitive social capital of small and medium-sized enterprises (SMEs) will affect the ability and goodwill of banks to these SMEs to varying degrees. However, vertical network has stronger influence on ability trust than on goodwill trust, while horizontal network has stronger influence on goodwill trust than on ability trust. In addition, the trust generated by the vertical network is more dependent on the learning mechanism of the network, while the trust generated by the horizontal network is more derived from the control mechanism of the network.
【作者单位】：武汉大学经济与管理学院;香港城市大学商学院;
【基金】：国家自然科学基金项目“营销渠道中的信任机制研究”(批准号70802046)
【分类号】：F276.3;F832.4

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