CAJ | 학술논문

以担保利润率、担保代偿率作为衡量担保公司运行效率的两个指标,选择河南省区域内106家担保公司作为研究样本,对三类担保公司运行效率进行了方差齐性检验,发现三类担保公司运行效率存在显著差异性。以人均GDP、地方财政收入、发明专利数、小型企业占比、银行存贷差、产业集聚区数作为考察区域性特征的6个影响因子,对三类担保公司运行效率与区域性特征的相关性进行了分析,发现三类担保公司对区域性特征的要求不同：政策性担保公司适应于经济发达且符合国家产业政策的地区;商业性担保公司适应于放贷资金量大、经济水平中等以上、发展速度较快且小微型企业不是太多的地区;互助性担保公司适应于区域产业集聚程度较高,经济、财政实力较弱,中小企业综合实力较强的地区。
이담보리윤솔、담보대상솔작위형량담보공사운행효솔적량개지표,선택하남성구역내106가담보공사작위연구양본,대삼류담보공사운행효솔진행료방차제성검험,발현삼류담보공사운행효솔존재현저차이성。이인균GDP、지방재정수입、발명전리수、소형기업점비、은행존대차、산업집취구수작위고찰구역성특정적6개영향인자,대삼류담보공사운행효솔여구역성특정적상관성진행료분석,발현삼류담보공사대구역성특정적요구불동：정책성담보공사괄응우경제발체차부합국가산업정책적지구;상업성담보공사괄응우방대자금량대、경제수평중등이상、발전속도교쾌차소미형기업불시태다적지구;호조성담보공사괄응우구역산업집취정도교고,경제、재정실력교약,중소기업종합실력교강적지구。
Guarantee company efficiency should be judged on guarantee profit rate and guarantee compensation rate,106 guarantee companies in henna have be selected as research samples.Homogeneity test of variance is be used in three kinds of guarantee companies operation efficiency,it is found that three kinds of guarantee companies operation efficiency is different.Regional characteristics can be surveyed by six influence factors：per capita GDP,local fiscal revenue,the number of invention patents,the small enterprises accounted for,bank loan,the number of industrial concentration area.Analyzing the correlation of three kinds of guarantee company operation efficiency and regional characteristics,and find that request for regional characteristics is different：the policy guarantee companies adapt to the areas that have a developed economy and meet the requirements of the state＇s industrial polices;the commercial guarantee companies adapt to the areas that have a large amount money to lend,medium above the level and the fast speed of economic development,but the number of small business should not be overmuch;the mutual guarantee companies require the areas have high level of industrial clusters,weaker economy and financing,but strong SMEs.