担保行业社会资本、关系风险和担保能力的研究

发布时间：2018-01-27 07:52

本文关键词： 担保机构担保能力社会资本关系风险　出处：《天津大学》2012年博士论文　论文类型：学位论文

【摘要】：世界上大多数国家和地区都建立了信用担保机构,以解决中小企业发展过程中产生的融资困境。国外担保制度是通过政府支持建立起来的,而我国政府支持的担保机构很有限,非政府支持的担保机构占据多数,且成为未来中国信用担保制度的主要力量。信用担保制度已经成为中小企业金融交易顺利实现的保障。我国理论界对担保的研究集中在担保制度本身问题的发现和解决,尽管我国担保行业得到了很大发展,并出现了很多社会出资的担保企业,但是,中国现有的担保制度还是难以有效地解决中小企业的融资问题。社会资本理论研究成果已经证实,企业可以通过社会关系网络,获得发展所需要的资源。社会资本足以支持担保制度的存在。Dubini和Aldrich(1991)认为网络结构或网络支持与企业业绩相关,网络成功包含三种机制:社会关系和社会联系是获取信息的重要渠道;网络联系决定企业成功;网络可以提高企业的声誉。本文首先介绍了信用担保研究的意义与研究背景,总结了国内外关于信用担保能力,社会资本、关系风险研究的主要成果,为本研究提供理论支持。本文对担保行业社会资本进行测量,并对担保行业关系风险和增信能力进行测量,在此基础上,提出了三个假设:即社会资本可以对担保行业关系风险实施管理;社会资本可以提高担保行业能力;以及社会资本通过管理关系风险进而提高担保能力。为我国担保行业研究提供一种新的思路。本研究所做的工作主要表现在: 1.根据国内外信用担保发展的特点,分析我国信用担保机构与国外信用担保机构运行机制存在的根本差异,提出社会资本成为我国信用担保行业未来发展的重要资源,发展社会关系网络有利于提高担保能力。 2.根据社会资本对关系风险管理的理论模型,建立了担保行业社会资本对关系风险管理的理论假说,并以关系风险管理为中间变量,进一步提出通过控制担保行业关系风险,进而提高该行业担保能力的理论设想。建立了理论模型和假设条件,以验证其影响路径和影响方向。从而揭示出社会资本对担保能力影响的路径,借以指导实践。 3.参考社会资本、关系风险、担保能力的相关研究资料,通过设计调查问卷,对信用担保行业进行问卷调查,对上述理论进行测量,获得本研究所需的实证资料,在此基础上,识别出我国担保行业的社会资本,关系风险管理和担保能力的影响因素。本次设计的调查问卷属于探索性研究,本研究理论和实证分析手段首次被运用到对担保行业的分析上,这对于我国信用担保行业未来发展方向,具有理论和现实意义。 4.利用SPSS和AMOS软件对理论假说进行检验,找到我国担保业发展不理想的症结,和国外以政府预算支持担保业发展的原因,提出我国提高担保行业运行效率的唯一出路,是发展政府支持的担保企业这一结论。
[Abstract]:Most countries and regions in the world have established credit guarantee institutions to solve the financing difficulties arising from the development of small and medium-sized enterprises. Foreign guarantee system is established through the support of the government. However, the guarantee agencies supported by our government are very limited, and the guarantee agencies supported by the non-governmental government occupy the majority. The credit guarantee system has become the guarantee for the smooth realization of the financial transactions of small and medium-sized enterprises. The research on the guarantee in our country focuses on the discovery of the problems of the guarantee system itself. And solutions. Despite the great development of the guarantee industry in China and the emergence of many socially funded guarantee enterprises, the existing guarantee system in China is still difficult to effectively solve the financing problem of small and medium-sized enterprises. The research results of social capital theory have proved that enterprises can pass social relations network. Access to resources for development. Social capital is sufficient to support the existence of a guarantee system. Dubini and Aldrichi 1991) consider that the network structure or network support is related to the performance of the firm. Network success includes three mechanisms: social relations and social connections are important channels to obtain information; The network connection determines the success of the enterprise; The Internet can improve the reputation of an enterprise. Firstly, this paper introduces the significance and background of credit guarantee research, and summarizes the main results of research on credit guarantee ability, social capital and relationship risk at home and abroad. To provide theoretical support for this study. This paper measures the social capital of the guarantee industry, and measures the relationship risk and credit enhancement ability of the guarantee industry, and on this basis. Three hypotheses are put forward: social capital can manage the risk of guarantee industry relationship; Social capital can improve the ability of guarantee industry; And social capital can improve the guarantee ability by managing the risk of relationship, which provides a new way for the research of guarantee industry in our country. The main work of this study is as follows: 1.According to the characteristics of the development of credit guarantee at home and abroad, this paper analyzes the fundamental differences between the operation mechanism of our country's credit guarantee institutions and those of foreign credit guarantee institutions. It is pointed out that social capital is an important resource for the future development of credit guarantee industry in China, and the development of social network is beneficial to the improvement of guarantee ability. 2.According to the theoretical model of social capital to relational risk management, the theoretical hypothesis of social capital on relational risk management in guarantee industry is established, and the relational risk management is regarded as the intermediate variable. Further put forward through controlling the risk of the guarantee industry relationship, and then improve the guarantee ability of the industry, theoretical models and assumptions are established. In order to verify its influence path and direction, and thus reveal the influence of social capital on the ability to guarantee the path, so as to guide the practice. 3. Referring to the relevant research data of social capital, relationship risk and guarantee ability, through designing the questionnaire, the author carries on the questionnaire survey to the credit guarantee industry, carries on the measurement to the above theory. Based on the empirical data needed in this study, we identify the factors affecting social capital, relationship risk management and guarantee ability of the guarantee industry in China. The questionnaire designed in this paper is an exploratory study. The theoretical and empirical analysis methods of this study are applied to the analysis of the guarantee industry for the first time, which has theoretical and practical significance for the future development direction of the credit guarantee industry in China. 4.Using SPSS and AMOS software to test the theoretical hypothesis, to find out the crux of the underdevelopment of the guarantee industry in China and the reasons for the foreign government budget to support the development of the guarantee industry. The conclusion that the only way to improve the efficiency of guarantee industry in China is to develop government-supported guarantee enterprises.
【学位授予单位】：天津大学
【学位级别】：博士
【学位授予年份】：2012
【分类号】：F832.39

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