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中文摘要：
基于社会网络理论的视角,在区分了商业网络和人际关系网络的基础上,讨论了不同社会网络对创业企业获取融资担保的作用机制,同时分析了创业者个人特质对两类社会网络与融资担保关系的交互影响。通过对374家中小企业调查数据的实证研究,发现人际关系网络与商业网络对创业企业融资担保获取都具有积极的促进作用,但相比之下,对不同组织特征（企业年龄、规模、股东结构）的创业企业而言,商业网络对融资担保的效用都远强于人际关系网络。
英文摘要：
Based on social network theory,this study distinguished the commercial network and social network,then based on it,we discussed the effect of different social networks on the acquisition of financing guarantee and analyzed the interaction influence of entrepreneur＇s personal characteristics on social network and financing guarantee.Based on the survey data from 374 SMEs,it was found that both interpersonal relationship network and business network have positive role on acquiring financing guarantee,but in contrast,for the entrepreneurial enterprises with different organizational characteristics（such as：age,size,structure of the shareholders）,the effect of business network on financing guarantees is far stronger than interpersonal relationship network.
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