The Impact of Networking on Bank Financing: The Case of Small and Medium–Sized Enterprises in Vietnam
研究了不同网络关系（客户、政府、供应商、社交）对越南中小企业获取银行贷款的不同影响，发现与客户和政府官员的网络促进贷款使用，而与供应商和社交网络则降低贷款需求。
It is argued that networking is crucial for small and medium–sized enterprises (SMEs), particularly in emerging economies as they seek to access resources for development. One key resource in emerging economies is bank financing. In this paper, we develop a model that examines the net effect of different network ties on bank financing to private SMEs. The results support our hypothesis that different network ties influence SMEs‘ use of bank loans in different ways. Specifically, networking with customers and government officials promotes the use of bank loans, while networking with suppliers and social ties reduces the need for bank loans. This study provides a number of research and managerial implications, which are discussed at the end of the paper.