社区信任、社会资本与社区金融组织

Community Confidence,Social Capital and Community Financial Organization

我国中小客户融资难既是市场失灵的问题,也是政府越位干预的问题。但是,市场失灵并非意味着一定要政府介入,完全可以依靠市场主体自主的创新精神,自发地改进契约和组织形式,来发现在降低交易费用方面更具效率的组织与制度形式。在解决中小客户融资难问题所需的制度资源上,社区则可能成为极为重要的手段之一。社区中的人们基于共同的信仰和文化,在长期的互动交往中形成的信任集团,并在此基础上积累起可产生效益的社会资本方面具有天然的优势。因此,借助社区来展开有组织的金融活动,将能有效地降低借贷双方的信息不对称,提高还贷激励,从而在改善中小客户融资难方面做出贡献。

Financing dilemma of small - and medium - sized enterprises in China is a problem not only of market failure, but also of government offside intervention, yet, market failure does not mean definite interposition of government. It＇s completely viable to depend on independent innovation spirit of market principals, to spontaneously improve contract and organizing forms, So as to find organizations or institution forms more efficient in reducing transaction cost. Community will become one of the greatly important means for the institution resource needed in solving financing dilemma of small - and medium - sized enterprises. People in the community sharing the common belief and culture formulate confidence group in the long- run interactive communication. Community owns a natural advantage in respect of social capital which will bring economic effects and is accumulated on the basis of confidence group. Therefore, organized financial activities are done by means of community, and will reduce effectively information asymmetry on both sides of lenders and borrowers, increase repayment incentive, hence making contribution on improving financing dilemma of small - and medium - sized enterprises.