集群条件下社会资本影响中小企业融资效应的分析

中小企业融资难已成为理论界和实务界讨论的热点问题.本文从中小企业生存环境的特质性角度出发,关注中小企业可持续发展所依赖的集群效应,将网络结构、信任合作、认知环境等进行综合,提升到社会资本的层面剖析中小企业融资行为的内在结构关系,并从追求双赢角度探讨融资体系内避免信用失缺的机理,验证了集群条件下社会资本对中小企业融资效用的影响.说明只有充分利用企业集群效应,发挥社会资本的作用,构建集群内的和谐社会网络关系,才是解决中小企业融资难的最佳捷径.

Analysis of the Financing Effct of Social Capital to SMEs under Cluster Conditions

SMEs have suffering from the difficulties in fund raising for a long time, which has aroused actively research in both of academia and business. The paper will concern the cluster effect of SMEs , and further integrate the network structure, trust and environment advancing to the level of social capital, study out the inner structure relation of social capital and SMEs fund behavior, analyze the mechanism of credit missing by the game analysis method, validate the financing effect of social capital to SMEs under cluster conditions. The conclusion will show that making the best of cluster effect and social capital is the best way to solve the difficult of SMEs fund raising.