摘要
由于小微企业的有限理性和机会主义导致银行等金融机构对小微企业进行信贷配给,造成信贷排斥的局面。基于社会资本理论,研究社会资本促进融资效率提升的机理,提出小微企业、银行等可以通过构建一定的社会关系网络形成社会资本,缓解小微企业与银行之间的信息不对称、降低交易费用、增强信任程度,最后设计相应的融资机制。
Due to the limited rationality and opportunism,small businesses credit rationing is given by banks and other financial institutions,which finally results in credit exclusion situation. With the study on mechanism of social capital promoting financial efficiency,small businesses and banks can gather social capital through the construction of certain social network,and establish equal information stage,reduce transaction costs and enhance the degree of trust according to the social capital theory.And finally put forward the design of the corresponding financing mechanism.
作者
金银亮
JIN Yinliang(College of Economics and Management, Nanjing Forestry University, Nanjing, J iangsu 210037, China Taizhou college, Nanjing Normal University, Taizhou, J iangsu 225300, China)
出处
《上海商学院学报》
2017年第1期28-33,63,共7页
Business Economic Review
基金
江苏省高校哲学社会科学研究项目"基于社会资本的小微企业融资机制研究"(项目编号:2015SJB106)
关键词
社会资本
小微企业
交易费用
信任
融资机制
social capital
small businesses
transaction cost
trust
financing mechanism
