【摘要】 日益活跃的创业活动已经成为推动我国经济发展的重要的内生力量,然而新创企业面对以银行信贷为主体的正式融资具有一定的新创弱性。这时,关系网络对它们来说就是一种重要的选择。基于社会关系网络理论和资源观,结合中国文化和管理的情景,本文试图提出一个关系特征、银行信贷与民营企业绩效的理论模型,通过实证分析,探讨市场型关系和非市场型关系对银行信贷特性的影响,并阐述其对民营企业绩效的作用。更多还原

【Abstract】 Financing is undoubtedly significant for the survival and development of private enterprises in China.In a transitional economy,private enterprises,compared with state-owned enterprises or collective enterprises,often have difficulties in getting formal financial support in terms of credit and loans to overcome their liability of newness.As a result,the informal "guanxi"network plays an important role in the financing efforts of these enterprises.In the light of social capital theory,this paper proposes a model about the relationship types,bank credit and the performance of private enterprises,discussing how the two types of relationship influence bank loans characteristics and describing its significance for the performance of private enterprises.更多还原