行业协会优化会员企业融资环境研究

李智迅1; 顾敏康1; 段军山2

行业协会优化会员企业融资环境研究

引用本文：李智迅1，顾敏康1，段军山2.行业协会优化会员企业融资环境研究[J].财经理论与实践,2025,(4):136-142

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作者	单位
李智迅1，顾敏康1，段军山2	（1.湘潭大学法学学部，湖南湘潭 411100；2.广东财经大学国际商学院，广东广州 510320）

中文摘要:企业“融资难”与其未能与金融机构建立良好的信任关系以及市场授信公平性失衡密切相关。行业协会作为非营利性组织，具备共利、自律和信用中介功能，掌握信息权力和规范权力，拥有深厚的声誉资本，兼具优化会员企业融资环境的能力和动力。行业协会通过建立行业性信用惩戒机制、提供信息服务和多种形式的信用担保，吸引更多金融机构提供融资支持，优化会员企业融资环境。

中文关键词:行业协会企业融资权力信用声誉资本

Research on the Impact of Industry Associations on Optimizing the Financing Environment for Member Enterprises

Abstract:The difficulty for enterprises in securing financing is closely related to their failure to establish sound trust relationships with financial institutions and the imbalance in the fairness of market credit. As non-profit organizations, industry associations possess the functions of mutual benefit, self-regulation, and credit intermediation. They wield informational power and normative authority, along with substantial reputation capital, equipping them with both the capability and motivation to optimize the financing environment for member enterprises. Industry associations can improve the financing environment for member enterprises by establishing sector-wide credit disciplinary mechanisms, providing information services, and offering various forms of credit guarantees--thereby attracting more financial institutions to extend financing support.

keywords:industry association enterprise financing power credit reputation capital

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