摘要
基于结构洞视角,结合案例分析与社会网络分析方法,深度剖析日本中小企业征信生态系统演化过程及其内在机理。研究结果发现:(1)日本中小企业征信生态系统演化过程可以分为初步探索期、融合提升期、完善发展期3个阶段,且不同阶段的融资互信机制、结构洞主体及其作用存在显著差异;(2)3个阶段分别在政策引导力、市场拉动力和技术支撑力的动态作用下实现了持续演化;(3)网络结构洞主体是驱动生态系统演化的核心要素,引导各方主体协同推进日本中小企业征信生态系统不断向高层级跃迁。在此,基于生态系统视角拓展了关于中小企业征信的理论研究,也为中国在大数据赋能下的征信体系建设给予实践启示。
This study investigates the evolution process and internal mechanism of credit ecosystem of Japanese SMEs by exploiting case analysis and social network analysis from the perspective of structural holes.The research results demonstrate that:(1)Credit ecosystem of Japanese SMEs evolutes with three stages from initial exploration to integration and improvement,and well-development.Additionally,stages outlined above are all significantly distinct with each other pertaining to financing mutual trust mechanism and the main part of structural hole;(2)The three stages have achieved continuous evolution supported by government policy,market power,and technical advancement;(3)The prominent part of the structural hole as a driving element facilitates the collaboration of all parties in Japanese credit network,and enables the credit ecosystem of Japanese SMEs to better develop.Based on the perspective of ecosystem,this paper expands the theoretical research on credit reporting of SMEs,and also provides practical inspiration for the construction of credit system empowered by big data in China.
作者
池仁勇
林一回
廖雅雅
CHI Ren-yong;LIN Yi-hui;LIAO Ya-ya(China Institute for Small and Medium Enterprise,Zhejiang University of Technology,Hangzhou,Zhejiang,310023,China;College of Management,Zhejiang University of Technology,Hangzhou,Zhejiang,310023,China)
出处
《日本问题研究》
2022年第6期20-30,共11页
Japanese Research
基金
国家社会科学基金重大招标项目“大数据背景下中小微企业征信体系的理论与方法”(17ZDA088)。
