基于社会资本理论的科技型中小企业互助联合担保模式研究——以广东省为例

Study on the Mutual Joint Guarantee Model of Technology-based SMEs Research Based on Social Capital Theory—— Take Guangdong Province as an Example

本文从融资模式的视角对广东省科技型中小企业融资困境进行分析,在借鉴现有融资担保模式的基础上,引入社会资本理论,着力解决风险控制问题;尝试对现有担保融资模式进行优化,提出"融资服务中心+企业互助联盟+联合体+担保机构+合作银行"的互助联合担保融资模式,以期能推动科技型中小企业解决融资难题。

This article analyzes the financing plight of technology-based SMEs in Guangdong province from the perspective of financing mode. On the basis of drawing on the existing practitioners＇ financing secured mode, this pa- per makes an effort to solve the problem of risk control and introduces the social capital theory. It attempts to optimize the existing secured financing mode and proposes the ＂financing service center＋enterprise mutual league＋union＋Guar- antee institution＋cooperative banks＂ mutual joint guarantee financing system, so as to help solve the financing prob- lems of technology-based SMEs.