企业家宗教信仰与民间借贷的选择

发布时间：2018-01-05 05:16

本文关键词：企业家宗教信仰与民间借贷的选择　出处：《北京外国语大学》2017年硕士论文　论文类型：学位论文

【摘要】：私营企业是中国经济发展重要的组成部分,但由于中国有着以大型国有控股银行为特征的金融体系,中小企业往往面临着融资的困境。融资方式的选择由企业的运营需求和自身实力所影响,而民间借贷则是中国资本市场中一个特殊的融资方式。中小企业往往缺乏足够的抵押品或者充分的财务情况报告,而且其项目规模较小,很难吸引到陌生的投资者,民间借贷就为难以获得正规融资的中小企业提供了一条宝贵的资金渠道,这种渠道建立在私人关系上,有利地降低了信息不对称,但同时也面临着风险较高,合法性不足的缺点。正是因为其建立在私人关系上的信贷合约,民间借贷的选择容易收到企业家的价值观和社会资本的影响。企业家的价值观和社会资本由多重因素构成,包括年龄,性别,地区,也包括教育背景,工作背景,还有本文着重研究的宗教背景。其中,宗教信仰就是一种重要的社会背景,作为一种非正式的社会制度,宗教信仰一方面为企业家提供了独特的价值观,另一方面也提供了稳定的社会资本。尽管近年来已有研究者重视宗教信仰对企业家的决策的影响,但对民间借贷的选择研究较少,对民间借贷的选择大多集中于政治背景的研究。因此,本文选择从企业家宗教背景出发,来研究私营企业对民间借贷的选择问题。数据来源主要为私营企业第八次问卷调查和参考其他文献的数据,通过对选择的变量采取多元回归的方法,来研究企业家的宗教背景对私营企业是否选择民间借贷的影响。得到了以下结论:企业家对民间借贷的选择与宗教信仰有关。有宗教信仰的企业更倾向于选择民间借贷,由于民间借贷是建立在社会关系之上,这个关系在东方宗教的影响下更为显著。这一结论同时还受到企业家的控制权和地区宗教氛围的影响。根据研究的结论,企业家的社会背景中,宗教背景也是其作出决策的一个重要因素,无论是资金的获得渠道,还是对资金渠道的选择,都会受到企业家宗教背景的影响。
[Abstract]:Private enterprise is an important part of China economic development, but due to Chinese with large state-controlled banks for the characteristics of the financial system, small and medium sized enterprises are facing financing difficulties. The choice of the financing way affected by business needs and their own strength, while private lending is a special way of financing China in the capital market. Small and medium-sized enterprises often lack sufficient collateral or full financial reports, and the project is small in scale, it is difficult to attract foreign investors, private lending has provided a valuable channel for funds is difficult to obtain the formal financing of small and medium-sized enterprises, this channel is set up in a personal relationship, advantageously reduces the asymmetric information, but also face higher risks, the lack of legitimacy of the disadvantages. It is because of the credit contract based on personal relationships, the choice of folk loan Vulnerable to entrepreneurial values and social capital. The values of entrepreneurs and social capital by multiple factors, including age, gender, region, including education background, working background, and this paper focuses on the religious background. Among them, religion is a kind of important social background, as a kind of informal the social system, religion provides a unique value for entrepreneurs, on the other hand it provides a stable social capital. Although in recent years researchers have pay attention to the religious belief on Entrepreneur's decision, but the choice of borrowing less research, research on private lending options are mostly concentrated on the political background. Therefore, this choice of entrepreneurs starting from the religious background, to study the selection problem of private enterprises for private lending. The main source of data for the eighth survey of private enterprises Check and reference to other literature data, multivariate regression method to select variables taken by, to study the religious background of entrepreneur of private lending to choose whether or not the influence of private enterprise. We get the following conclusions: the entrepreneurs of private lending and religion. Religious enterprises tend to choose private lending, because private lending is based on social relations, this relationship in the influence of the Oriental religion was more prominent. This conclusion is also influenced by the religious atmosphere control area and entrepreneurs. According to the research of entrepreneur's social background, an important factor is the religious background of decision-making, whether it is the funds of funds or access channels, channel selection, will be affected by the entrepreneur's religious background.

【学位授予单位】：北京外国语大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：B91;F276.5;F832.4

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