新制度经济学视角下的中小企业融资制度研究

按照新制度经济学的理论,现实社会中的经济人具有有限的理性认识,容易产生机会主义的倾向,以及社会经济环境的不确定性和交易的垄断性,不可避免地产生交易费用,降低交易效率。而通过制度设定和变迁,可以降低环境的不确定性,提高人们认识环境的能力,从而降低交易费用、提高经济效率。中小企业融资难是金融资源在中小企业之间配置的交易费用过高,资源配置效率低下的表现,合理的制度安排是解决中小企业融资难的有效途径。

Financing System Study of SME under New Institutional Economics

According to the new institutional economics theory,the economic man in the reality of society who has the limited economic rational knowledge and is prone to opportunistic tendencies,and due to socio-economic environment of uncertainty and trading monopoly,will inevitably generate transaction costs and lower transaction efficiency.Through system settings and change,it can reduce the uncertainty of the environment,raising awareness and capacity of the environment,thus reducing transaction costs and improvin...