CAJ | 학술논문

采用2008年福建省5个设区市中位于乡镇及以下的中小企业的调查数据,运用因子分析方法和Logistic回归模型就企业主社会资本对农村中小企业非正规信贷可得性的影响进行了实证分析。结果发现：提取的7个公共因子中,熟人信任、普遍信任及规范因子对农村中小企业非正规信贷可得性具有显著的正向影响,而网络规模、网顶、特殊信任、贷款认知性4个因子的影响则不太明显。
채용2008년복건성5개설구시중위우향진급이하적중소기업적조사수거,운용인자분석방법화Logistic회귀모형취기업주사회자본대농촌중소기업비정규신대가득성적영향진행료실증분석。결과발현：제취적7개공공인자중,숙인신임、보편신임급규범인자대농촌중소기업비정규신대가득성구유현저적정향영향,이망락규모、망정、특수신임、대관인지성4개인자적영향칙불태명현。
Using the data about small and medium-sized enterprises in townships of five major cities in Fujian in 2008, this paper applies the factor analysis method and the Logistic regression model to analyze the effect of social capital of business owner on informal credit availability. The result shows that,in the extracted seven factors,acquaintance trust,general trust and norm have significant positive effects on informal credit availability of rural small and medium-sized enterprises;however, factors including network size, net top, special trust and loan cognition haven＇t significant effects on it.