金融聚集支持实体经济缓解企业融资约束的理论研究  

Theoretical Research on Financial Agglomeration Supporting the Real Economy to Relieve Enterprise Financing Constraints

作　　者：代乾[1] 何风隽[1] Dai Qian;He Fengjun(Ningxia University,Yinchuan,Ningxia Hui Autonomous Region 750021)

机构地区：[1]宁夏大学,宁夏银川750021

出　　处：《中国商论》2024年第4期109-112,共4页China Journal of Commerce

基　　金：宁夏哲学社会科学规划项目“金融发展影响西部地区民营企业成长的路径和机制研究”(23NXCYJ01)。

摘　　要：金融体系的重要功能之一就是满足实体经济的资金需求,金融还会反作用于实体经济,推动实体经济前进。因此如何最大程度地满足资金供求双方的需求并最终加快实体经济稳步提升一直是金融领域从业人员需要认真研究的问题。金融聚集可以提升金融功能,金融集聚效应通过外部规模效益、网络效益、创新效益、加速技术进步效益、自我强化效益优化了金融解决信息不对称、风险管理、公司治理以及资源配置等功能,从而缓解企业融资约束。One of the key functions of financial system is to meet the funding needs of the real economy,and finance can also influence the real economy and promote its progress.Therefore,meeting the needs of both supply and demand of funds to the greatest extent and ultimately accelerating the steady improvement of the real economy has always posed a challenge that financial professionals must carefully handle.Financial agglomeration can enhance financial functions.The financial agglomeration effect alleviates corporate financing constraints by coping with information asymmetry and optimizing functions such as risk management,corporate governance,and resource allocation through external scale benefits,network benefits,innovation benefits,accelerated technological progress benefits,and self-improvement benefits.

关 键 词：金融聚集 金融功能 实体经济 融资约束 创新效益 

分 类 号：F832.5[经济管理—金融学]