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温州民间借贷危机引发了信用危机后,温州中小企业面临贷款难、银行续贷难、过桥资金难“三因素”难题。这场危机肇始于基于社会资本的民间借贷的盲目扩大化,社会资本在融资中的作用受到质疑。温州市永嘉县桥下镇11家企业基于社会资本,以自组织协作融资的方式,先后解决“三因素”难题,渡过信用危机,实现逆势增长,凸显了社会资本的积极作用。通过比较发现,社会资本的信息机制与替代机制发挥作用的范围变化,社会资本的角色也随之改变。据此,在产业前景良好且形成产业集群的地区,地方政府可以鼓励企业合理调动社会资本开展协作融资,使其信息机制作用于开放网络,替代机制作用于封闭网络,以缓解信用危机下中小企业融资难的问题。
Wenzhou private lending crisis triggered a credit crisis, Wenzhou SMEs are facing difficulties in loans, bank renewal difficulties, cross-bridge funding difficulties “three factors” problem. The crisis started with the blind expansion of private lending based on social capital, and the role of social capital in financing was questioned. Based on social capital, 11 enterprises in Qiaxia Town, Yongjia County, Wenzhou City, solved the “three factors” problem by means of self-organized and collaborative financing and passed the credit crisis to realize the contrarian growth, highlighting the positive role of social capital. By comparison, we find that the scope of the role of social capital information mechanism and alternative mechanism changes, and the role of social capital also changes. In light of this, in the regions with good industrial prospects and industrial clusters, local governments can encourage enterprises to properly mobilize social capital for collaborative financing so that their information mechanisms can act as open networks and alternative mechanisms can act as closed networks to ease the credit crisis for SMEs Financing problems.