Abstract：The social network of SMEs is divided into relational embeddedness network (EGR, EBR) and structural embeddedness network (EER, EUIR, EMR), by using the listed companies of Shenzhen SME board as the research objects by the end of December 2016 we discuss the influence of the two kinds of network relationships on the bank loan behavior of SMEs. The empirical results show that: The loan rates are higher, loan costs are lower and loan terms are longer, while the SMEs own two kinds of networks; SMEs have weaker dependence on the structural embeddedness network relationship while they own relational embeddedness network relationship in loans. However, SMEs without relational embeddedness network relationships have stronger dependence on structural embeddedness network relationships apart from the effect of EBR of EUIR. The future loan default rates are higher when SMEs rely on relational embeddedness network in loans. On the contrary, the loan default rates are lower while SMEs rely on the structural embeddedness network relationships.
周宇亮. 社会网络与中小企业银行贷款：嵌入性视角[J]. 商业经济与管理, 2017, 37(9): 86-96.
ZHOU Yuliang. Social Networks and SMEs’ Bank Loans: An Embeddedness Perspective. Journal of Business Economics, 2017, 37(9): 86-96.
2017, Vol. 37 
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