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基于信息不对称理论,本文分析了集群特点所造成的人际网络信息如何强化了相互之间的硬性信息和软性信息,削弱了借贷之间的信息不对称,从而使集群环境下中小企业获得较好的融资质量。通过回归分析对集群环境下人际网络通过横向硬信息和横向软信息对融资质量的影响进行了实证研究,同时为加强实证研究的解释,对部分样本企业进行了焦点访谈。研究结果表明,横向信息和在人际网络和融资质量之间发挥了重要的中介作用。
Based on the information asymmetry theory, this paper analyzes how the interpersonal network information caused by the characteristics of the cluster strengthens the hard information and soft information between each other, weakens the information asymmetry between the loans, and makes the SMEs in the cluster environment obtain Good financing quality. Through regression analysis, an empirical study was conducted on the effect of the interpersonal networks on the quality of financing through horizontal hard information and horizontal soft information in the cluster environment. At the same time, in order to strengthen the interpretation of empirical research, some sample companies were interviewed in focus. The research results show that horizontal information plays an important intermediary role between the interpersonal networks and the quality of financing.