本文選題：社會子網(wǎng)絡(luò)　切入點：網(wǎng)絡(luò)規(guī)模　出處：《華南理工大學(xué)》2016年博士論文　論文類型：學(xué)位論文

【摘要】：我國中小企業(yè)普遍面臨銀行貸款難的問題。近年來,學(xué)術(shù)界較多地從社會網(wǎng)絡(luò)這條非規(guī)則式的渠道去尋找解決辦法,有效地彌補了傳統(tǒng)融資理論的“社會化不足”和“零嵌入性”問題。但目前的研究存在一些不足:第一,中小企業(yè)社會網(wǎng)絡(luò)中存在政府、銀行、其他企業(yè)、學(xué)研機構(gòu)、企業(yè)主的親友、非銀行金融中介等節(jié)點,這些節(jié)點對促進中小企業(yè)貸款起著獨特的作用,又影響其他節(jié)點。但已有研究較為集中地對政府和銀行兩個節(jié)點進行探討,忽視了其他節(jié)點的作用;第二,較多地從網(wǎng)絡(luò)規(guī)模和網(wǎng)絡(luò)強度兩個維度進行分析,忽視了其他社會網(wǎng)絡(luò)維度和社會網(wǎng)絡(luò)理論的運用。因此,十分有必要從更多角度對復(fù)雜的社會網(wǎng)絡(luò)系統(tǒng)關(guān)系進行梳理。 基于此,本文首先介紹了社會網(wǎng)絡(luò)相關(guān)理論、交易成本理論、企業(yè)金融中介理論,并對六個主要節(jié)點與企業(yè)融資關(guān)系的文獻進行了梳理,提出了本文的研究構(gòu)想。然后,在對社會子網(wǎng)絡(luò)劃分的基礎(chǔ)上,構(gòu)建子網(wǎng)絡(luò)關(guān)系對中小企業(yè)銀行貸款影響機制的理論模型,并從三個層面對社會網(wǎng)絡(luò)相關(guān)維度與銀行貸款體系的關(guān)系進行實證分析。主要結(jié)論有: 第一,了解了子網(wǎng)絡(luò)的網(wǎng)絡(luò)規(guī)模、網(wǎng)絡(luò)強度、網(wǎng)絡(luò)質(zhì)量等基本情況。各維度均值的排序由大至小為:(1)網(wǎng)絡(luò)規(guī)模:人企網(wǎng)絡(luò)、企業(yè)網(wǎng)絡(luò)、政企網(wǎng)絡(luò)、銀企網(wǎng)絡(luò)、中介網(wǎng)絡(luò)、產(chǎn)學(xué)研網(wǎng)絡(luò)。(2)網(wǎng)絡(luò)強度:政企網(wǎng)絡(luò)、人企網(wǎng)絡(luò)、企業(yè)網(wǎng)絡(luò)、產(chǎn)學(xué)研網(wǎng)絡(luò)、中介網(wǎng)絡(luò)、銀企網(wǎng)絡(luò)。(3)網(wǎng)絡(luò)質(zhì)量:人企網(wǎng)絡(luò)、企業(yè)網(wǎng)絡(luò)、產(chǎn)學(xué)研網(wǎng)絡(luò)、政企網(wǎng)絡(luò)、中介網(wǎng)絡(luò)、銀企網(wǎng)絡(luò)。 第二,探討了子網(wǎng)絡(luò)發(fā)展質(zhì)量與貸款能力的關(guān)系。(1)人企網(wǎng)絡(luò)對政企網(wǎng)絡(luò)、銀企網(wǎng)絡(luò)和產(chǎn)學(xué)研網(wǎng)絡(luò)具有顯著正影響關(guān)系;政企網(wǎng)絡(luò)對銀企網(wǎng)絡(luò)、企業(yè)網(wǎng)絡(luò)和產(chǎn)學(xué)研網(wǎng)絡(luò)有顯著正影響;銀企網(wǎng)絡(luò)對產(chǎn)學(xué)研網(wǎng)絡(luò)有顯著正影響作用;產(chǎn)學(xué)研網(wǎng)絡(luò)對企業(yè)網(wǎng)絡(luò)有顯著正影響;中介網(wǎng)絡(luò)對銀企網(wǎng)絡(luò)也有顯著正影響作用。(2)政企網(wǎng)絡(luò)、企業(yè)網(wǎng)絡(luò)、人企網(wǎng)絡(luò)、中介網(wǎng)絡(luò)發(fā)展質(zhì)量對貸款能力有顯著正影響作用,它們能有效提升貸款能力;銀企網(wǎng)絡(luò)質(zhì)量對貸款能力的促進作用受到限制;產(chǎn)學(xué)研網(wǎng)絡(luò)質(zhì)量對貸款能力的影響是負(fù)向的。 第三,研究了子網(wǎng)絡(luò)關(guān)系強度與貸款可得性的關(guān)系。(1)銀企網(wǎng)絡(luò)和人企網(wǎng)絡(luò)關(guān)系強度能有效促進貸款可得性;政企網(wǎng)絡(luò)、企業(yè)網(wǎng)絡(luò)、中介網(wǎng)絡(luò)關(guān)系強度不能有效促進貸款的獲得;產(chǎn)學(xué)研網(wǎng)絡(luò)關(guān)系強度越大,貸款可得性越小。(2)銀企網(wǎng)絡(luò)和人企網(wǎng)絡(luò)關(guān)系強度與中小企業(yè)獲取貸款資源的關(guān)系可以被強關(guān)系假設(shè)解釋;產(chǎn)學(xué)研網(wǎng)絡(luò)關(guān)系強度與貸款可得性的關(guān)系可被弱關(guān)系假設(shè)解釋;其他子網(wǎng)絡(luò)與貸款可得性的關(guān)系沒有接受強關(guān)系和弱關(guān)系假設(shè)檢驗。 第四,分析了兩類嵌入性子網(wǎng)絡(luò)關(guān)系與貸款率、貸款成本、貸款期限、貸款違約率的關(guān)系。(1)擁有關(guān)系性和結(jié)構(gòu)性嵌入網(wǎng)絡(luò)的中小企業(yè),均能獲得更多數(shù)量和更長期限的貸款、付出更少的成本。(2)擁有關(guān)系性嵌入網(wǎng)絡(luò)的中小企業(yè),在貸款中會減少對結(jié)構(gòu)性嵌入網(wǎng)絡(luò)的依賴;不擁有關(guān)系性嵌入網(wǎng)絡(luò)的中小企業(yè)大多會增加對結(jié)構(gòu)性嵌入網(wǎng)絡(luò)的依賴,但銀企網(wǎng)絡(luò)、人企網(wǎng)絡(luò)對產(chǎn)學(xué)研網(wǎng)絡(luò)關(guān)系的依賴作用除外。(3)依靠關(guān)系性嵌入網(wǎng)絡(luò)的中小企業(yè)未來的貸款違約率相對更高;依靠結(jié)構(gòu)性嵌入網(wǎng)絡(luò)的中小企業(yè)未來的貸款違約率相對更低。 本文的貢獻在于:中小企業(yè)通過利用社會網(wǎng)絡(luò)關(guān)系,改善網(wǎng)絡(luò)規(guī)模、強度和質(zhì)量,促進子網(wǎng)絡(luò)間的相互作用等,能夠提升貸款能力和優(yōu)化銀行貸款結(jié)構(gòu),為解決中小企業(yè)融資難提供非制度和非經(jīng)濟上的理論指導(dǎo)。
[Abstract]:General small and medium-sized enterprises of our country face the difficult problem of bank loans. In recent years, the academic circles more from the social network that informal channels to seek solutions to effectively make up the traditional financing theory "lack of socialization" and "embeddedness". But the current research has some shortcomings: first, the existence of government, small and medium-sized enterprises in the social network bank, other enterprises, research institutions, enterprises and non bank financial intermediaries, and other nodes, these nodes plays a unique role in promoting SME loans, and influence other nodes. But the existing research is concentrated on the government and the Bank of two nodes and ignore other nodes; second, more from the two dimensions of network size and network strength analysis, neglect the use of other dimensions of social network and social network theory. Therefore, it is necessary from the More angle to combing the complex social network system relationship.
Based on this, this paper first introduces the social network theory, transaction cost theory, the theory of financial intermediary business, and the six main nodes and the relationship between corporate finance literature of the sort, put forward the research ideas of this paper. Then, based on the social network division, theoretical model of influence mechanism to construct the sub network the relationship between bank loans to small and medium-sized enterprises, and from the three aspects of the relationship between social network related dimensions and bank loan system for empirical analysis. The main conclusions are:
First, understand the sub network scale, network strength, the basic situation of the network quality. The dimensions of the average ranking from large to small is: (1) the size of the network: enterprise network, enterprise network, enterprise network, network bank, intermediary network, research network. (2) the network strength: government network people, enterprise network, enterprise network, research network, intermediary network, network bank. (3) the network quality: enterprise network, enterprise network, research network, enterprise network, network intermediary, bank network.
Second, discusses the relationship between the quality of network development and lending ability. (1) one enterprise network enterprise network, has a significant positive impact on relationship network and research network; enterprise network of network bank, has a significant positive impact on the enterprise network and research network; network bank has a significant positive effect on the Research of network research network; there is a significant positive impact on the enterprise network; the intermediary network has a significant positive effect on the bank network. (2) the enterprise network, enterprise network, enterprise network, network intermediary development quality has a significant positive effect on lending capacity, they can effectively improve the quality of Bank loans; loan network promotion ability is limited research on the quality of network effects; lending capacity is negative.
Third, the strength of network ties and loan availability. (1) the relationship between bank and enterprise network and network relationship strength can effectively promote the availability of bank loans; government and enterprise network, enterprise network, network intermediary relationship strength can not effectively promote the loan; research network relationship strength increases, the availability of bank loans smaller. (2) the relationship between enterprise network and network strength and small and medium-sized enterprises to obtain loans of resources can be strong hypothesis to explain the relationship between strength and network; and the availability of bank loans can be weak ties hypothesis to explain; other sub networks and the availability of bank loans have not received strong ties and weak ties hypothesis testing.
Fourth, analysis of the two kinds of embedded sub network and the cost of loans, loan rate, loan term, loan default rate relationship. (1) have a relationship and structure embedded in a network of small and medium-sized enterprises, can obtain more quantity and longer term loans, pay less cost. (2) have a relational network the small and medium-sized enterprises, in the loan will reduce dependence on structural embeddedness of network; do not have relations of embedded network of small and medium-sized enterprises will mostly increase reliance on structural embedded network, but the network bank, except on effect of enterprise network to research network relations. (3) rely on the relational Embeddedness of network of small and medium-sized enterprises in the future the loan default rate is relatively higher; rely on structural embedded network of small and medium-sized enterprises in the future loan default rate is relatively lower.
The contribution of this paper is: the small and medium-sized enterprises through the use of social network, improve the network size, strength and quality, promote the network interaction, can enhance the lending capacity and optimize the structure of bank loans is difficult to provide non institutional and non economic theory by solving the financing of small and medium-sized enterprises.

【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2016
【分類號】：F832.4

【相似文獻】

相關(guān)期刊論文 前10條

1 郎晟;;中小企業(yè)銀行的臺灣模本[J];中國金融家;2004年Z1期

2 李曼,李芬儒;關(guān)注和融入中小企業(yè)成長——論中小企業(yè)銀行服務(wù)營銷[J];金融研究;2005年06期

3 馬光遠(yuǎn);;中小企業(yè)銀行或成擺設(shè)[J];商界(評論);2008年09期

4 ;打造湖南最佳的中小企業(yè)銀行——長沙銀行圍繞中小企業(yè)做大文章[J];新聞天地;2009年03期

5 侍安宇;;臺灣中小企業(yè)銀行的發(fā)展與轉(zhuǎn)型歷程[J];上海金融學(xué)院學(xué)報;2009年05期

6 李香花;;韓國金融支持中小企業(yè)的經(jīng)驗及對我國的啟示[J];吉林金融研究;2009年12期

7 戴鴻麗;;中小企業(yè)銀行業(yè)務(wù)開發(fā)與拓展[J];金融教育研究;2011年03期

8 李成業(yè);;國外的中小企業(yè)銀行[J];金融博覽;2011年09期

9 呂偉偉;;基于銀行視角下處理中小企業(yè)銀行借貸常見問題的措施[J];中國集體經(jīng)濟;2012年18期

10 劉娜;;為中小企業(yè)提供亞洲式細(xì)節(jié)服務(wù)——專訪星展銀行(中國)中小企業(yè)銀行部主管鐘孟廷[J];金融博覽;2012年11期

相關(guān)會議論文 前1條

1 方軍雄;;銀行業(yè)規(guī)模結(jié)構(gòu)、中小企業(yè)銀行信貸與經(jīng)濟增長[A];中國經(jīng)濟60年 道路、模式與發(fā)展：上海市社會科學(xué)界第七屆學(xué)術(shù)年會文集（2009年度）經(jīng)濟、管理學(xué)科卷[C];2009年

相關(guān)重要報紙文章 前10條

1 中國建設(shè)銀行丹陽支行黨委書記 行長 劉冰;中小企業(yè)銀行金融協(xié)同創(chuàng)新淺探[N];江蘇經(jīng)濟報;2013年

2 ;韓中小企業(yè)銀行發(fā)展策略[N];中國城鄉(xiāng)金融報;2006年

3 宗文雯;韓國中小企業(yè)銀行蘇州開設(shè)分行[N];蘇州日報;2007年

4 本報記者 熊欣邋見習(xí)記者 金然;解資金困局國家中小企業(yè)銀行呼之欲出[N];證券日報;2008年

5 黃樹輝邋林小昭 周靜雅;“中小企業(yè)銀行”有望問世[N];第一財經(jīng)日報;2008年

6 熊仁宇;中小企業(yè)銀行應(yīng)商業(yè)化[N];21世紀(jì)經(jīng)濟報道;2008年

7 本報記者 劉艷;應(yīng)成立中小企業(yè)銀行助力民企走出困境[N];人民政協(xié)報;2008年

8 王慧玲 整理;并購公會建議加快培育中小企業(yè)銀行[N];中國現(xiàn)代企業(yè)報;2009年

9 胡建新;德國將組建中小企業(yè)銀行[N];國際商報;2002年

10 本報記者 楊聯(lián)民;成立中小企業(yè)銀行破解融資難痼疾[N];中華工商時報;2008年

相關(guān)博士學(xué)位論文 前1條

1 周宇亮;社會網(wǎng)絡(luò)視角下中小企業(yè)銀行貸款體系研究[D];華南理工大學(xué);2016年

相關(guān)碩士學(xué)位論文 前6條

1 岳宇超;我國中小企業(yè)銀行之法律構(gòu)建[D];中國政法大學(xué);2011年

2 劉金迪;韓國中小企業(yè)銀行中國發(fā)展戰(zhàn)略研究[D];北京交通大學(xué);2008年

3 苗麗娜;中小企業(yè)銀行貸款問題研究[D];安徽大學(xué);2006年

4 丁寶婷;制度環(huán)境與中小企業(yè)銀行貸款[D];西南財經(jīng)大學(xué);2011年

5 田婷;中小企業(yè)融資服務(wù)的銀行體系研究[D];湖北工業(yè)大學(xué);2013年

6 邵雄;中小企業(yè)銀行短期融資研究[D];西南交通大學(xué);2004年

，

本文編號：1614395