本文關(guān)鍵詞： 擔(dān)保機(jī)構(gòu) 擔(dān)保能力 社會(huì)資本 關(guān)系風(fēng)險(xiǎn)　出處：《天津大學(xué)》2012年博士論文　論文類型：學(xué)位論文

【摘要】：世界上大多數(shù)國(guó)家和地區(qū)都建立了信用擔(dān)保機(jī)構(gòu),以解決中小企業(yè)發(fā)展過(guò)程中產(chǎn)生的融資困境。國(guó)外擔(dān)保制度是通過(guò)政府支持建立起來(lái)的,而我國(guó)政府支持的擔(dān)保機(jī)構(gòu)很有限,非政府支持的擔(dān)保機(jī)構(gòu)占據(jù)多數(shù),且成為未來(lái)中國(guó)信用擔(dān)保制度的主要力量。信用擔(dān)保制度已經(jīng)成為中小企業(yè)金融交易順利實(shí)現(xiàn)的保障。我國(guó)理論界對(duì)擔(dān)保的研究集中在擔(dān)保制度本身問(wèn)題的發(fā)現(xiàn)和解決,盡管我國(guó)擔(dān)保行業(yè)得到了很大發(fā)展,并出現(xiàn)了很多社會(huì)出資的擔(dān)保企業(yè),但是,中國(guó)現(xiàn)有的擔(dān)保制度還是難以有效地解決中小企業(yè)的融資問(wèn)題。 社會(huì)資本理論研究成果已經(jīng)證實(shí),企業(yè)可以通過(guò)社會(huì)關(guān)系網(wǎng)絡(luò),獲得發(fā)展所需要的資源。社會(huì)資本足以支持擔(dān)保制度的存在。Dubini和Aldrich(1991)認(rèn)為網(wǎng)絡(luò)結(jié)構(gòu)或網(wǎng)絡(luò)支持與企業(yè)業(yè)績(jī)相關(guān),網(wǎng)絡(luò)成功包含三種機(jī)制:社會(huì)關(guān)系和社會(huì)聯(lián)系是獲取信息的重要渠道;網(wǎng)絡(luò)聯(lián)系決定企業(yè)成功;網(wǎng)絡(luò)可以提高企業(yè)的聲譽(yù)。 本文首先介紹了信用擔(dān)保研究的意義與研究背景,總結(jié)了國(guó)內(nèi)外關(guān)于信用擔(dān)保能力,社會(huì)資本、關(guān)系風(fēng)險(xiǎn)研究的主要成果,為本研究提供理論支持。本文對(duì)擔(dān)保行業(yè)社會(huì)資本進(jìn)行測(cè)量,并對(duì)擔(dān)保行業(yè)關(guān)系風(fēng)險(xiǎn)和增信能力進(jìn)行測(cè)量,在此基礎(chǔ)上,提出了三個(gè)假設(shè):即社會(huì)資本可以對(duì)擔(dān)保行業(yè)關(guān)系風(fēng)險(xiǎn)實(shí)施管理;社會(huì)資本可以提高擔(dān)保行業(yè)能力;以及社會(huì)資本通過(guò)管理關(guān)系風(fēng)險(xiǎn)進(jìn)而提高擔(dān)保能力。為我國(guó)擔(dān)保行業(yè)研究提供一種新的思路。 本研究所做的工作主要表現(xiàn)在: 1.根據(jù)國(guó)內(nèi)外信用擔(dān)保發(fā)展的特點(diǎn),分析我國(guó)信用擔(dān)保機(jī)構(gòu)與國(guó)外信用擔(dān)保機(jī)構(gòu)運(yùn)行機(jī)制存在的根本差異,提出社會(huì)資本成為我國(guó)信用擔(dān)保行業(yè)未來(lái)發(fā)展的重要資源,發(fā)展社會(huì)關(guān)系網(wǎng)絡(luò)有利于提高擔(dān)保能力。 2.根據(jù)社會(huì)資本對(duì)關(guān)系風(fēng)險(xiǎn)管理的理論模型,建立了擔(dān)保行業(yè)社會(huì)資本對(duì)關(guān)系風(fēng)險(xiǎn)管理的理論假說(shuō),并以關(guān)系風(fēng)險(xiǎn)管理為中間變量,進(jìn)一步提出通過(guò)控制擔(dān)保行業(yè)關(guān)系風(fēng)險(xiǎn),進(jìn)而提高該行業(yè)擔(dān)保能力的理論設(shè)想。建立了理論模型和假設(shè)條件,以驗(yàn)證其影響路徑和影響方向。從而揭示出社會(huì)資本對(duì)擔(dān)保能力影響的路徑,借以指導(dǎo)實(shí)踐。 3.參考社會(huì)資本、關(guān)系風(fēng)險(xiǎn)、擔(dān)保能力的相關(guān)研究資料,通過(guò)設(shè)計(jì)調(diào)查問(wèn)卷,對(duì)信用擔(dān)保行業(yè)進(jìn)行問(wèn)卷調(diào)查,對(duì)上述理論進(jìn)行測(cè)量,獲得本研究所需的實(shí)證資料,在此基礎(chǔ)上,識(shí)別出我國(guó)擔(dān)保行業(yè)的社會(huì)資本,關(guān)系風(fēng)險(xiǎn)管理和擔(dān)保能力的影響因素。本次設(shè)計(jì)的調(diào)查問(wèn)卷屬于探索性研究,本研究理論和實(shí)證分析手段首次被運(yùn)用到對(duì)擔(dān)保行業(yè)的分析上,這對(duì)于我國(guó)信用擔(dān)保行業(yè)未來(lái)發(fā)展方向,具有理論和現(xiàn)實(shí)意義。 4.利用SPSS和AMOS軟件對(duì)理論假說(shuō)進(jìn)行檢驗(yàn),找到我國(guó)擔(dān)保業(yè)發(fā)展不理想的癥結(jié),和國(guó)外以政府預(yù)算支持擔(dān)保業(yè)發(fā)展的原因,提出我國(guó)提高擔(dān)保行業(yè)運(yùn)行效率的唯一出路,是發(fā)展政府支持的擔(dān)保企業(yè)這一結(jié)論。
[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.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.39

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