技术经济
技術經濟
기술경제
Technology Economics
2009年
9期
95~99
,共null页
正规信贷可得性 社会资本 农村中小企业
正規信貸可得性 社會資本 農村中小企業
정규신대가득성 사회자본 농촌중소기업
availability of formal credit;social capital;rural small and medium-sized enterprise
针对我国农村中小企业正规信贷融资难的问题，本文基于2008年福建省农村350家中小企业的调查数据，采用Logistic回归模型，对企业主社会资本对农村中小企业正规信贷可得性的影响进行了实证分析。结果表明：网顶、熟人信任、贷款认知性3个因子对农村中小企业正规信贷可得性具有显著的正向影响；普遍信任、规范2个因子对农村中小企业正规信贷可得性具有显著的负向影响；网络规模、特殊信任2个因子对农村中小企业正规信贷可得性没有显著影响。
針對我國農村中小企業正規信貸融資難的問題，本文基于2008年福建省農村350傢中小企業的調查數據，採用Logistic迴歸模型，對企業主社會資本對農村中小企業正規信貸可得性的影響進行瞭實證分析。結果錶明：網頂、熟人信任、貸款認知性3箇因子對農村中小企業正規信貸可得性具有顯著的正嚮影響；普遍信任、規範2箇因子對農村中小企業正規信貸可得性具有顯著的負嚮影響；網絡規模、特殊信任2箇因子對農村中小企業正規信貸可得性沒有顯著影響。
침대아국농촌중소기업정규신대융자난적문제，본문기우2008년복건성농촌350가중소기업적조사수거，채용Logistic회귀모형，대기업주사회자본대농촌중소기업정규신대가득성적영향진행료실증분석。결과표명：망정、숙인신임、대관인지성3개인자대농촌중소기업정규신대가득성구유현저적정향영향；보편신임、규범2개인자대농촌중소기업정규신대가득성구유현저적부향영향；망락규모、특수신임2개인자대농촌중소기업정규신대가득성몰유현저영향。
Based on the data about rural small and medium-sized enterprises in Fujian in 2008,this paper uses the Logistic regression model to analyze the effects of social capital of business owners on the availability of formal credit of rural small and medium-sized enterprises. The result shows that net top,acquaintances trust and loan cognition have significant positive effects on the availability of formal credit however, general trust and norm have significant negative effects on the availability of formal credit;network size and special trust haven＇t significant effects on it.
