社会网络、金融共生与中小企业信贷技术——以ZH银行商铺“租金贷”为例

Social Network,Financial Symbiosis and Credit Technology for SMEs——A Case Study of“Rent Loan”for Shops in ZH Bank

银行与企业间的信息不对称是中小企业融资难的主要成因。针对这一难题,理论界和实务界提出了一系列信贷方案,信贷产品越来越丰富。近几年,我国银行业不断创新中小微企业融资产品,商铺“租金贷”就是其中之一。文章通过对ZH银行商铺“租金贷”的案例分析,深入探讨商铺“租金贷”业务的运行机理。研究发现,嵌入以业缘为基础的社会网络的信贷活动,具备低成本的信息获取机制以及以担保与反担保为特征的风险防范机制,能够有效降低银行的信贷风险和成本,促进银行与中小微企业共生共荣发展。

Information asymmetry between banks and enterprises is the main cause of financing difficulties for SMEs.A series of credit schemes have been put forward in theory and practice and the credit products are becoming more and more abundant in response to this difficult issue.In recent years,banks in China have been innovating fi⁃nancing products for small,medium and micro enterprises and“rent loan”for shops is one of the products.By an⁃alyzing the case of“rent loan”for shops in ZH bank,this paper deeply explores the operation mechanism of“rent loan”business.The study finds that the credit activities embedded in the social relationship network based on business relationship have a low-cost information acquisition mechanism and a risk prevention mechanism char⁃acterized by guarantee and counter-guarantee,which can effectively reduce the credit risks and costs of banks and promote the symbiosis and co-prosperity development between banks and small,medium and micro enterprises.