社会子网络关系强度与中小企业信贷可得性

发布时间：2018-01-09 09:36

本文关键词：社会子网络关系强度与中小企业信贷可得性　出处：《中国经济问题》2017年01期 　论文类型：期刊论文

【摘要】：本文以广东省科技型中小企业为样本,分析了中小企业社会子网络关系强度与信贷可得性之间的关系。本文将社会网络分为政企网络、银企网络、企业网络、产学研网络、人企网络和中介网络,采用Logit模型进行回归分析,得到以下结论:银企网络和人企网络关系强度能有效促进信贷可得性;政企网络、企业网络和中介网络关系强度不能有效促进信贷的获得;产学研网络关系强度越大,信贷可得性越小。银企网络和人企网络与中小企业信贷资源获取能力之间的关系可以被强关系假设解释,产学研网络与信贷可得性的关系可被弱关系假设解释,而其他子网络不支持强关系和弱关系的假设解释。
[Abstract]:This paper analyzes the relationship between the relationship between the relationship between the social sub-network and the availability of credit in Guangdong Province. The social network is divided into the network of government enterprises, the network of banks and enterprises, and the network of enterprises. Based on the regression analysis of Logit model, the following conclusions are drawn: the strength of the relationship between bank and enterprise network can effectively promote the availability of credit; The relationship between government and enterprise network, enterprise network and intermediary network can not effectively promote the access to credit; The stronger the relationship between industry, college and research, the smaller the availability of credit. The relationship between the network of banks and enterprises and the ability of SMEs to obtain credit resources can be explained by the hypothesis of strong relationship. The relationship between industry-university-research network and the availability of credit can be explained by the hypothesis of weak relation, while other subnetworks do not support the hypothesis of strong relation and weak relation.
【作者单位】：华南理工大学经济与贸易学院;
【分类号】：F832.4;F276.3;C912.3
【正文快照】： 一、引言中小企业数量庞大,对经济和社会的贡献价值巨大,且大都面临信贷融资难的困境。社会网络是中小企业获取银行贷款的重要渠道,近年来,学术界从社会网络视角对中小企业融资问题做了越来越多的探讨,并取得了一定的研究成果,为破解中小企业融资难局提供了许多有益的指导。国

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