摘要
社会资本作为一种隐藏在社会网络中的资源,其内在的信任、规范和社会关系网络能够降低中小企业融资过程中的信息不对称程度,增加融资渠道,满足融资需求,降低融资成本,增强融资合约灵活性。但同时也存在着预算软约束、锁定效应和封闭效应。需要通过积极拓展多层次社会资本,建立开放的社会资本体系;健全相关法规制度,创造良好的法律和制度环境来优化社会资本,缓解中小企业融资约束。
Social capital is a hidden resource in social network.It's internal trust,regulation and social relation can reduce asymmetric information during financing,add financing sources,satisfy the needs of financing,reduce the cost of financing.It also bring soft budget,fixed bank and closed network.SME should explore multi-level social capitals and build open social capital system,government should perfect related laws,rules and regulations.
出处
《经济问题》
CSSCI
北大核心
2010年第12期68-72,共5页
On Economic Problems
关键词
社会资本
融资约束
信任
规范
社会关系网络
social capital
financing constraint
trust
regulation
social relation network