社会资本、关系风险对担保能力影响研究——以天津市为例

发布时间：2018-05-16 01:06

本文选题：担保行业 + 社会资本　；参考：《江西财经大学学报》2011年06期

【摘要】：我国"自下而上"的发展中小企业信用担保,导致了市场无法形成有效的担保能力供给。为了研究担保行业社会资本的发展状况及其所形成的资源获取机制和关系风险管理机制对担保能力的影响状况,借鉴社会资本理论研究成果,我们对天津市担保行业进行问卷调查研究。研究结果表明,担保行业发展社会资本有利于提高担保能力,同时,还发现担保行业的突出问题是社会资本网络不健全,没有形成认知层面的同质性,不利于合作者的信息交流,是造成我国担保行业风险的主要原因。因此,要提高担保行业的担保能力必须"自上而下"和"自下而上"相结合发展担保行业的社会资本。
[Abstract]:The "bottom-up" development of credit guarantee for small and medium-sized enterprises in China has led to the inability of the market to form an effective supply of guarantee capacity. In order to study the development of social capital in guarantee industry and the influence of resource acquisition mechanism and relational risk management mechanism on guarantee ability, the paper draws lessons from the research results of social capital theory. We conducted a questionnaire survey on the guarantee industry in Tianjin. The research results show that the development of social capital in the guarantee industry is conducive to improving the guarantee ability. At the same time, it is also found that the outstanding problem of the guarantee industry is that the social capital network is not perfect, and it does not form the cognitive homogeneity. The main reason for the risk of guarantee industry in China is the information exchange which is unfavorable to the cooperator. Therefore, in order to improve the guarantee ability of the guarantee industry, it is necessary to develop the social capital of the guarantee industry by combining top-down and bottom-up.
【作者单位】：天津大学管理学院;
【基金】：天津市哲学社会科学规划项目“完善天津市信用担保行业社会网络促进中小企业发展”(TJYY08-1075)
【分类号】：F832.4;F224

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