本文關(guān)鍵詞：社會(huì)資本影響中小企業(yè)聯(lián)保貸款機(jī)制研究　出處：《寧波大學(xué)》2013年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：聯(lián)保貸款可以有效控制中小企業(yè)貸款的風(fēng)險(xiǎn)，是幫助其走出資金困難，并扶持其發(fā)展壯大的有效金融運(yùn)作模式。作為一種創(chuàng)新的信貸工具，聯(lián)保貸款具有其他貸款模式不可比擬的還款率，引起了世界各國(guó)的關(guān)注。然而，在引進(jìn)聯(lián)保貸款的二十年里，這種貸款模式在我國(guó)運(yùn)作的效果并不十分的理想，并且它的還款率未能達(dá)到預(yù)期的標(biāo)準(zhǔn)。究其根本原因在于未能根據(jù)我國(guó)的基本國(guó)情抓住影響其還款率的主要因素——社會(huì)資本。因此，我們需要對(duì)社會(huì)資本影響中小企業(yè)聯(lián)保貸款的機(jī)理進(jìn)行深入的分析，以給我過(guò)銀行成功開(kāi)展這項(xiàng)業(yè)務(wù)提供一定的指導(dǎo)。 本文將社會(huì)資本引入中小企業(yè)聯(lián)保貸款中，分析社會(huì)資本視角下聯(lián)保貸款的還款機(jī)理。首先，本文分析了社會(huì)資本和中小企業(yè)聯(lián)保貸款的內(nèi)在聯(lián)系，發(fā)現(xiàn)社會(huì)資本可以通過(guò)橫向監(jiān)督、社會(huì)獎(jiǎng)懲、聲譽(yù)機(jī)制提高借款企業(yè)的還款積極性；隨后，本文在構(gòu)建銀行和小組、小組內(nèi)部企業(yè)之間的博弈模型的基礎(chǔ)上，引入了小組的產(chǎn)出水平、社會(huì)獎(jiǎng)懲以及再還款約束等因素，進(jìn)一步分析了社會(huì)資本提高中小企業(yè)聯(lián)保貸款還款率的內(nèi)在機(jī)理；最后通過(guò)研究得出結(jié)論，社會(huì)資本能夠在銀行降低連續(xù)貸款激勵(lì)的情況下能保證小組的還款，并且，社會(huì)獎(jiǎng)懲和再還款約束可以有效激勵(lì)企業(yè)主動(dòng)還款或幫助困難企業(yè)進(jìn)行還款，從而在根本上提高了中小企業(yè)聯(lián)保貸款還款率。 鑒于社會(huì)資本的積極意義，我國(guó)開(kāi)展中小企業(yè)聯(lián)保貸款時(shí)，要?jiǎng)?chuàng)造一切條件使社會(huì)資本的作用充分發(fā)揮，，從而達(dá)到扶持中小企業(yè)發(fā)展壯大的目標(biāo)。
[Abstract]:The risk of loan can effectively control the loans to small and medium-sized enterprises, is to help them out of financial difficulties, the effective mode of financial operation and support its development. As a kind of innovative credit instruments, guaranteed loans with other loans can not be compared with the repayment rate, attracted the attention of the world. However, in the introduction of loan twenty years, the loan mode in the operation of China's effect is not very ideal, and its repayment rate failed to achieve the desired standard. The fundamental reason lies in not according to the basic conditions of our country to seize the main factors influence the social capital repayment rate. Therefore, we need a thorough analysis of the social mechanism the capital of small and medium enterprises guaranteed loans, to give me the bank successfully carry out this business to provide some guidance.
This will be the introduction of social capital of small and medium-sized enterprises guaranteed loans, loan repayment mechanism analysis from the perspective of social capital. Firstly, this paper analyzes the relationship between social capital and small and medium-sized enterprises loan, found social capital through lateral supervision, social incentive, reputation mechanism to improve the enthusiasm of the borrower's repayment; then, based on the construction of the bank and the team based game model between the enterprise group, introduced the group output level, social rewards and repayment constraints and other factors, further analysis to improve the internal mechanism of small and medium sized enterprises loan repayment rate of social capital; finally through the study concluded that social capital can reduce the loan under the circumstance of continuous incentive to ensure repayment in the bank group, and social rewards and repayment constraints can effectively encourage enterprises to take the initiative to help or repayment The repayment rate of the medium and small enterprises is greatly improved by the repayment of the difficult enterprises.
In view of the positive significance of social capital, we must create all conditions to give full play to the role of social capital, so as to achieve the goal of supporting the development and growth of SMEs.

【學(xué)位授予單位】：寧波大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F276.3;F832.4

【共引文獻(xiàn)】

相關(guān)期刊論文 前10條

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4 鄭瑩;;中小企業(yè)網(wǎng)絡(luò)聯(lián)保貸款模式探究[J];財(cái)會(huì)通訊;2011年23期

5 王靜;徐逞

本文編號(hào)：1359369