江苏省担保公司成长能力研究

发布时间：2018-04-30 02:27

本文选题：江苏省融资担保公司 + 信用担保　；参考：《南京大学》2014年硕士论文

【摘要】：在中国经济快速发展的过程中,中小企业为社会做出了巨大贡献,是我国经济社会不可或缺的组成部分。而由于中小企业信用等级低、信息透明度不高、抵押担保品相对不足等问题,融资难一直是其发展的瓶颈。担保公司的出现解决了中小企业信用资源不足、融资难等问题,对改善中小企业融资环境发挥着重要的作用。作为一个新兴行业,担保业在近几年得到了迅速成长。但由于监管不成熟、体制不健全、信息不对称以及规模较小等因素,担保公司的现状与国家期望的中小企业信用担保体系还有较大的差距。我国的信用担保公司目前大多处于初创发展阶段,如何使信用担保行业得以充分发挥它在金融市场中应有的作用,是政府部门、银行及企业都亟待解决的问题。在发展信用担保行业的过程中,需要一个相对全面的公司成长能力评价体系。对担保公司成长能力进行评价,一方面可优化产业结构,另一方面便于银行等金融机构有效甄别担保公司,降低其信贷风险,并且有助于担保公司高层把握公司的发展方向,提高其决策效率。目前国内对企业成长能力的研究有多种,但对担保公司成长能力的评价研究还较少,且所假设的影响因素比较片面。本文以江苏省不同县市区的融资担保公司为研究对象,通过理论分析构建担保公司成长能力的结构方程模型,从而得出担保公司成长能力影响因素及因素间的相互关联,进而得出结论、给出建议。本文所假设的影响因素包括外部环境、业务能力、财务状况、人才资源、管理者水平、融资能力等,再对这些影响因素进一步分析列出可观测的一系列具体指标。在以上基础上构建结构方程模型,通过问卷调查、访谈等方式获得数据,运用AMOS和SPSS软件对数据进行分析。本文首先对数据进行描述性统计,其次在数据可信的前提下构建结构方程模型对其进行检验及修正,在拟合指标达标的情况下对其进行载荷系数的分析,最后得出结论。
[Abstract]:In the process of rapid economic development in China, small and medium-sized enterprises (SMEs) have made great contributions to the society and become an indispensable part of China's economy and society. However, due to the low credit rating, low information transparency and relatively insufficient mortgage collateral, the difficulty of financing has always been the bottleneck of its development. The emergence of guarantee companies solves the problems of credit resources shortage and financing difficulties of SMEs and plays an important role in improving the financing environment of SMEs. As a new industry, the guarantee industry has been growing rapidly in recent years. However, due to such factors as immature supervision, imperfect system, asymmetric information and small scale, the status quo of guarantee companies still has a big gap with the credit guarantee system of small and medium-sized enterprises expected by the state. At present, most of the credit guarantee companies in our country are in the initial stage of development. How to make the credit guarantee industry give full play to its role in the financial market is an urgent problem to be solved by government departments, banks and enterprises. In the process of developing credit guarantee industry, we need a relatively comprehensive evaluation system of company growth ability. Evaluating the growth ability of guarantee companies can, on the one hand, optimize the industrial structure, on the other hand, facilitate banks and other financial institutions to effectively identify guarantee companies, reduce their credit risk, and help the top management of the guarantee companies to grasp the direction of the company's development. Improve its decision-making efficiency. At present, there are many kinds of research on the growth ability of enterprises in China, but there are few researches on the evaluation of the growth ability of the guarantee companies, and the hypothetical influencing factors are relatively one-sided. This paper takes the financing guarantee companies in different counties and cities of Jiangsu Province as the research object, constructs the structural equation model of the growth ability of the guarantee companies through theoretical analysis, and then obtains the factors affecting the growth ability of the guarantee companies and the correlation among the factors. Then draw a conclusion and give some suggestions. The influence factors assumed in this paper include external environment, business ability, financial situation, talent resource, management level, financing ability, etc. On the basis of the above, the structural equation model is constructed, and the data are obtained by questionnaire, interview and so on. The data are analyzed by AMOS and SPSS software. This paper firstly carries on descriptive statistics to the data, then constructs the structural equation model to test and revise the data under the premise of credible data, and analyzes the load coefficient under the condition that the fitting index is up to the standard, and finally draws a conclusion.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39

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