信用担保企业核心能力构建与测度——基于中国经验的实证研究  

Constructing and Measuring Core Capabilities of Credit Guarantee Enterprises——An Empirical Study in China

作　　者：何涌[1] 成蓉晖[2] 翁建兴[3] 

机构地区：[1]湖南工业大学财经学院,湖南株洲412000 [2]广东金融学院经济贸易系,广东广州510521 [3]中南大学商学院,湖南长沙410083

出　　处：《金融经济学研究》2013年第2期99-108,共10页Financial Economics Research

基　　金：教育部人文社会科学研究青年基金项目(11YJCZH054);湖南省教育厅高等学校科学研究一般项目(11C0439);湖南工业大学社会科学研究项目(2011HSX05)

摘　　要：通过对信用担保企业特征的界定,在现有文献研究和对信用担保企业深入访谈的基础上,提出信用担保企业核心能力构建的5个维度,即资本运营能力、人力资源能力、风险管理能力、市场营销能力、学习与创新能力;并经过问卷的预测试和先导测试,确定20个指标变量。对来自中国65家信用担保企业的476份有效问卷进行探索性因子分析和验证性因子分析,实证结果表明文中给出的信用担保企业核心能力因子具有良好的信度和效度。采用BP神经网络方法构建信用担保企业核心能力自我测度模型,经样本数据检验表明该模型具有良好的适应性,可以测度信用担保企业核心能力水平。This paper initially gives five factors which include the capital operation ca- pabilities, human resources capabilities, risk management capabilities, marketing skills, learning and innovation capabilities based on defining the characteristics of credit guarantee enterprises,and learning from the existing research and literature and the in-depth inter- views;then,after pre-test questionnaire and the pilot test,20 variables were determined. Secondly ,the 103 valid questionnaires from 65 credit guarantees enterprises were given ex- ploratory factor analysis and confirmatory factor analysis, and the empirical results showed that the core competence factors that we constructed have a good reliability and validity. Fi-nally,by using BP neural network, the self-measurement model of core eompetencies for credit guarantee enterprises was built, and after testing the sample data it showed that the model has a good adaptability, and it can measure the level of core competence for credit guarantee companies.

关 键 词：核心能力 信用担保企业 因子分析 BP神经网络 

分 类 号：F832.39[经济管理—金融学]