社会资本影响中小企业联保贷款机制研究

发布时间：2017-12-31 10:26

本文关键词：社会资本影响中小企业联保贷款机制研究　出处：《宁波大学》2013年硕士论文　论文类型：学位论文

【摘要】：联保贷款可以有效控制中小企业贷款的风险，是帮助其走出资金困难，并扶持其发展壮大的有效金融运作模式。作为一种创新的信贷工具，联保贷款具有其他贷款模式不可比拟的还款率，引起了世界各国的关注。然而，在引进联保贷款的二十年里，这种贷款模式在我国运作的效果并不十分的理想，并且它的还款率未能达到预期的标准。究其根本原因在于未能根据我国的基本国情抓住影响其还款率的主要因素——社会资本。因此，我们需要对社会资本影响中小企业联保贷款的机理进行深入的分析，以给我过银行成功开展这项业务提供一定的指导。本文将社会资本引入中小企业联保贷款中，分析社会资本视角下联保贷款的还款机理。首先，本文分析了社会资本和中小企业联保贷款的内在联系，发现社会资本可以通过横向监督、社会奖惩、声誉机制提高借款企业的还款积极性；随后，本文在构建银行和小组、小组内部企业之间的博弈模型的基础上，引入了小组的产出水平、社会奖惩以及再还款约束等因素，进一步分析了社会资本提高中小企业联保贷款还款率的内在机理；最后通过研究得出结论，社会资本能够在银行降低连续贷款激励的情况下能保证小组的还款，并且，社会奖惩和再还款约束可以有效激励企业主动还款或帮助困难企业进行还款，从而在根本上提高了中小企业联保贷款还款率。鉴于社会资本的积极意义，我国开展中小企业联保贷款时，要创造一切条件使社会资本的作用充分发挥，，从而达到扶持中小企业发展壮大的目标。
[Abstract]:The risk of loan can effectively control the loans to small and medium-sized enterprises, is to help them out of financial difficulties, the effective mode of financial operation and support its development. As a kind of innovative credit instruments, guaranteed loans with other loans can not be compared with the repayment rate, attracted the attention of the world. However, in the introduction of loan twenty years, the loan mode in the operation of China's effect is not very ideal, and its repayment rate failed to achieve the desired standard. The fundamental reason lies in not according to the basic conditions of our country to seize the main factors influence the social capital repayment rate. Therefore, we need a thorough analysis of the social mechanism the capital of small and medium enterprises guaranteed loans, to give me the bank successfully carry out this business to provide some guidance.
This will be the introduction of social capital of small and medium-sized enterprises guaranteed loans, loan repayment mechanism analysis from the perspective of social capital. Firstly, this paper analyzes the relationship between social capital and small and medium-sized enterprises loan, found social capital through lateral supervision, social incentive, reputation mechanism to improve the enthusiasm of the borrower's repayment; then, based on the construction of the bank and the team based game model between the enterprise group, introduced the group output level, social rewards and repayment constraints and other factors, further analysis to improve the internal mechanism of small and medium sized enterprises loan repayment rate of social capital; finally through the study concluded that social capital can reduce the loan under the circumstance of continuous incentive to ensure repayment in the bank group, and social rewards and repayment constraints can effectively encourage enterprises to take the initiative to help or repayment The repayment rate of the medium and small enterprises is greatly improved by the repayment of the difficult enterprises.
In view of the positive significance of social capital, we must create all conditions to give full play to the role of social capital, so as to achieve the goal of supporting the development and growth of SMEs.

【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F276.3;F832.4

【共引文献】