本文選題：江蘇省融資擔保公司 + 信用擔保��； 參考：《南京大學》2014年碩士論文

【摘要】：在中國經(jīng)濟快速發(fā)展的過程中,中小企業(yè)為社會做出了巨大貢獻,是我國經(jīng)濟社會不可或缺的組成部分。而由于中小企業(yè)信用等級低、信息透明度不高、抵押擔保品相對不足等問題,融資難一直是其發(fā)展的瓶頸。擔保公司的出現(xiàn)解決了中小企業(yè)信用資源不足、融資難等問題,對改善中小企業(yè)融資環(huán)境發(fā)揮著重要的作用。作為一個新興行業(yè),擔保業(yè)在近幾年得到了迅速成長。但由于監(jiān)管不成熟、體制不健全、信息不對稱以及規(guī)模較小等因素,擔保公司的現(xiàn)狀與國家期望的中小企業(yè)信用擔保體系還有較大的差距。我國的信用擔保公司目前大多處于初創(chuàng)發(fā)展階段,如何使信用擔保行業(yè)得以充分發(fā)揮它在金融市場中應(yīng)有的作用,是政府部門、銀行及企業(yè)都亟待解決的問題。在發(fā)展信用擔保行業(yè)的過程中,需要一個相對全面的公司成長能力評價體系。對擔保公司成長能力進行評價,一方面可優(yōu)化產(chǎn)業(yè)結(jié)構(gòu),另一方面便于銀行等金融機構(gòu)有效甄別擔保公司,降低其信貸風險,并且有助于擔保公司高層把握公司的發(fā)展方向,提高其決策效率。目前國內(nèi)對企業(yè)成長能力的研究有多種,但對擔保公司成長能力的評價研究還較少,且所假設(shè)的影響因素比較片面。本文以江蘇省不同縣市區(qū)的融資擔保公司為研究對象,通過理論分析構(gòu)建擔保公司成長能力的結(jié)構(gòu)方程模型,從而得出擔保公司成長能力影響因素及因素間的相互關(guān)聯(lián),進而得出結(jié)論、給出建議。本文所假設(shè)的影響因素包括外部環(huán)境、業(yè)務(wù)能力、財務(wù)狀況、人才資源、管理者水平、融資能力等,再對這些影響因素進一步分析列出可觀測的一系列具體指標。在以上基礎(chǔ)上構(gòu)建結(jié)構(gòu)方程模型,通過問卷調(diào)查、訪談等方式獲得數(shù)據(jù),運用AMOS和SPSS軟件對數(shù)據(jù)進行分析。本文首先對數(shù)據(jù)進行描述性統(tǒng)計,其次在數(shù)據(jù)可信的前提下構(gòu)建結(jié)構(gòu)方程模型對其進行檢驗及修正,在擬合指標達標的情況下對其進行載荷系數(shù)的分析,最后得出結(jié)論。
[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.
【學位授予單位】：南京大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.39

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