集体效率与中小企业融资——以创意产业集聚区为例  

Collective Efficiency and Financing of Medium-small Size Enterprises——Case Study of Creative Agglomeration

作　　者：姚永玲[1] 石璐姗 

机构地区：[1]中国人民大学经济学院,北京100872

出　　处：《兰州商学院学报》2015年第3期39-45,共7页Journal of Lanzhou Commercial College

摘　　要：集体效率有可能成为避免信息不对称、解决中小企业融资难的有效途径。本文试图从博弈关系角度,在银企间引入聚集区公共平台,通过集体效率使资金供给方获得真实信息;同时设计出提供信用信息的报酬方式,发现获取信息的条件;并采用实地调查结果,以案例分析和比较方式,发现增加透明信息条件的提供者。结论认为,只要资金供给方给予聚集区机构提供的信息报酬满足一定条件,资金方就能够获得企业信用信息;这个信息报酬主要是金融机构进入后提供的融资平台;同时,创造初始条件者也包括银行、政府和资本运作公司。前提是聚集区能够从基础服务走向深度服务,能够实现明显的聚集效益,并有条件实现集体效率。Collective efficiency would be an efficient way to avoid unsymmetrical credit between credit side and enterprise, and mitigate the difficulty of loaning. A public platform is involved in analyzing boyi among the institutes, credit side and enterprises, this kind of relations provide credit information to credit side by collective efficiency; as well as return for the credit information will be designed to find the condi- tions of getting credit information; Filed survey will be adopted to compare cases to find the providers of credit information. It concludes that credit side would get credit information when the institutes have e- nough returns; the return indicates mainly the platform by credit side. While, the providers for the plat- form are bank, government and finance company. The precondition is that the agglomeration areas are mature enough to serve spillover and have agglomerative effects, as well as have collective efficiency for credit.

关 键 词：集体效率 融资 中小企业 创意聚集区 

分 类 号：F276.3[经济管理—企业管理]