社会子网络关系强度与中小企业信贷可得性

Social Sub-networks Relationship Strength and SMEs' Credit Availability

本文以广东省科技型中小企业为样本,分析了中小企业社会子网络关系强度与信贷可得性之间的关系。本文将社会网络分为政企网络、银企网络、企业网络、产学研网络、人企网络和中介网络,采用Logit模型进行回归分析,得到以下结论:银企网络和人企网络关系强度能有效促进信贷可得性;政企网络、企业网络和中介网络关系强度不能有效促进信贷的获得;产学研网络关系强度越大,信贷可得性越小。银企网络和人企网络与中小企业信贷资源获取能力之间的关系可以被强关系假设解释,产学研网络与信贷可得性的关系可被弱关系假设解释,而其他子网络不支持强关系和弱关系的假设解释。

We use survey data of technology-based SMEs in Guangdong province to conductan empirical analysis of the relationship between the strength of SMEs’ social sub-networks and credit availability.Social networks can be divided into six kinds of sub-networks,namely,GEN,BEN,EN,IUIN,HEN and MN.We use Logit regression analysis model to get the main empirical results：The BENS and HENS can effectively promote the credit availability.GENS,ENS and MNS cannot effectively promote credit availability.The stronger the IUINS,the less the credit availability is.（＂NS＂is the abbreviation of sub-networksrelationship strength.） The relationship between BENS,HENS and credit availability can be explained by strong ties hypothesis,while the relationship between IUINS and credit availability can be explained by weak ties hypothesis,but the relationship between relationship strength of the others sub-networks and credit availability cannot be tested by both strong ties hypothesis and weak ties hypothesis.