社会资本影响农村中小企业非正规信贷可得性的实证研究——基于2008年福建省5设区市的调查数据

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。

Empirical Research on Effects of Social Capital on Informal Credit Availability of Rural Small and Medium-sized Enterprises in China:Based on Investigation for Five Major Cities in Fujian in 2008

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 net...