中文摘要：

本文从社会信任、社会参与、社会组织、社会慈善四个维度度量了中国30个省、直辖市的社会资本发展水平，并运用因子分析法提取社会资本的共因子，构建社会资本的综合分数。本文以2010～2012年间可连续获得相关信息的391家非金融类上市公司组成的平衡面板数据为样本，应用随机效应模型和Logic模型实证检验社会资本对银行贷款契约（包括贷款利率、贷款金额、贷款期限和贷款担保四个方面）的影响作用。研究发现：社会资本通过社会信任、社会惩罚、社会参与、社会网络四种机制对银行贷款契约产生影响作用，即上市公司所属地区的社会资本发展水平越高，银行贷款利率越低、贷款金额越高、贷款期限越长、贷款担保要求越宽松。

英文摘要：

From social trust, participation, organizations and charity four dimensions, this study measures the social capital of Chinese 30 provinces through the index of Commercial Credit Environment, the index of citizen participation, the number of social organizations and the number of social welfare enterprises. The common factors from factorial analysis were to construct a composite score for social capital. The paper empirically studies the impact of social capital on bank loan contracts （including rate, amount, maturity and guarantee of loan） with Random-effects model and Logistic model, using 391 listed non-financial companies in Shanghai and Shenzhen Stock Exchanges from 2010 to 2012 to form a balanced panel data as a sample. The results indicate that the social capital does affect bank loan contracts remarkably through four mechanisms which contain social trust, social sanction, social participation and social network. More specifically, listed firms in the better social capital development areas will incline to have lower lending rates, higher amounts, longer maturity and less loan guarantees.