摘要
本文通过宏观层面(民间社会组织人均数量、社会参与度、地区信任度)和微观层面(领导层关系)两个维度度量社会资本的发展状况,研究不同地区的投资环境、社会资本对民营企业获得银行贷款难易程度的影响。研究结果发现:在社会资本较发达的地区,民营企业获得更多的银行贷款,且长期贷款的比重更大,在投资环境越差的地区,社会资本的这种效应越显著。
This paper measures the development and status of social capitals in macro dimension （per capita number of civil society organizations, social participation, regional trust） and micro dimension （leadership relationship）, and research- es the effects of the investment environment and social capitals in different region on the difficult degree of private enter- prises to obtain bank loans. The results of the paper show that the private enterprises in regions with developed social capitals obtain more bank loans, and the proportion of long-term loans is greater; the more imperfect the regional invest- ment environment is, the more significant the effects of social capitals.
出处
《金融论坛》
CSSCI
北大核心
2016年第4期34-44,共11页
Finance Forum
基金
国家自然科学基金资助项目"终极所有权结构
社会资本与银行贷款契约(71472157)
国家自然科学基金资助项目"终极所有权结构
制度环境与权益资本成本"(71002062)
关键词
社会资本
非正式制度
银行贷款
投资环境
social capital
informal system
bank loan
investment environment
