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CREDIT REFERENCE
2014年
12期
22-28
,共7页
社会网络%信用管理%中小企业融资
社會網絡%信用管理%中小企業融資
사회망락%신용관리%중소기업융자
social network%financing%credit management%small and medium sized enterprises (SME) financing
在关系型社会中，网络成员间具有一荣俱荣的关系，因而人们能够通过相互调剂余缺调动网络中其他人的部分资源。众多中小企业主正是依赖于自身社会网络进行融资，其融资规模、融资成本和融资结构等都受到中小企业主的社会网络尤其是网络质量的影响。由于社会网络的规模和质量很大程度上受制于融资者的信用水平，因此，中小企业主只有恪守信用，努力拓展自身社会网络的规模，提高网络质量，优化网络结构，才能真正破解融资难问题。
在關繫型社會中，網絡成員間具有一榮俱榮的關繫，因而人們能夠通過相互調劑餘缺調動網絡中其他人的部分資源。衆多中小企業主正是依賴于自身社會網絡進行融資，其融資規模、融資成本和融資結構等都受到中小企業主的社會網絡尤其是網絡質量的影響。由于社會網絡的規模和質量很大程度上受製于融資者的信用水平，因此，中小企業主隻有恪守信用，努力拓展自身社會網絡的規模，提高網絡質量，優化網絡結構，纔能真正破解融資難問題。
재관계형사회중，망락성원간구유일영구영적관계，인이인문능구통과상호조제여결조동망락중기타인적부분자원。음다중소기업주정시의뢰우자신사회망락진행융자，기융자규모、융자성본화융자결구등도수도중소기업주적사회망락우기시망락질량적영향。유우사회망락적규모화질량흔대정도상수제우융자자적신용수평，인차，중소기업주지유각수신용，노력탁전자신사회망락적규모，제고망락질량，우화망락결구，재능진정파해융자난문제。
In the relation - based society, there is honor - one, honor - them - all relationship among online mem-bers. Therefore, people can mobilize partial resources of other members in the network through mutual adjustment of surplus and deficiency. Many small and medium - sized enterprise owners do depend upon their own social networks in terms of financing, so the scale, cost and structure of financing are largely involved with their main social net-work, especially, the quality of network. Because the scale and quality of the social network are highly subject to the credit level of borrowers, SME owners have to abide by credit, manage to expand their own social network scale, improve the quality of network, and optimize network structure. Thus the problem of financing can be solved.
