国内外有关社会网络增进小微企业贷款可得性作用机理的研究还非常缺乏，本项目旨在基于中国企业管理实践进行相关理论构建的研究。本项目在前期泰隆银行单案例研究的基础上，通过多案例研究进一步提炼和归纳与小微企业贷款相关的网络特征、网络作用、贷款可得性以及网络特征与网络作用关系、网络作用对贷款可得性影响的维度量表，构建完全原创的社会网络增进小微企业贷款可得性作用机理模型与理论。根据多案例研究的结果，本项目自主设计维度测量量表和调查问卷，通过跟踪样本小微企业和面向银行资深客户经理的问卷调查获取实证数据；利用多元回归模型实证检验主维度层面的关系维度，并进一步检验子维度层面的关系维度；利用结构方程模型综合检验网络作用与贷款可得性细化到子维度层面的关系维度。通过实证检验使多案例研究所提出的社会网络增进小微企业贷款可得性作用机理模型与理论更具有普遍性、精细性和系统性。

There has been little research on the functional mechanism of social network in promoting credit availability of small and micro enterprises (SME). This project aims at theory building to fill this gap within the extant literature on the basis of Chinese enterprises management practice. Based on the previous case study of Zhejiang Tailong Commercial Bank, this project will further summarize dimension scales of those SME's network features, network effects, credit availability, the relationship between network features and network effects, as well as the relationship between network effects and credit availability. The project will also construct a more complete and original model and theory of social network mechanism in promoting credit availability of SME based on a multi-case study method. Measuring scales will be designed independently and the empirical data will be collected based on the multi-case study by both tracking those SME and conducting a questionnaire survey from client managers working in the banks who provide loans to SME. Finally, the project will examine both the main dimension levels and sub-dimension levels by employing multiple regression models and meanwhile comprehensively inspect the influence of network effects on credit availability refining to sub-dimension level by employing structural equation models. The empirical study will make the model and theory raised by multi-case study on the functional mechanism of social network promoting credit availability of small and micro enterprises more general, precise and systematic.