国有蜀人担保公司发展的管理难点及对策研究

Research on the management difficulties and Countermeasures of the development of the Guarantee Corporation in the state owned Shu

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我国担保行业始于上世纪90年月,成长二十余年来阅历了早期全国规模的国有企业改造、改造开放时的经济飞速成长和最近几年来的经济危机,构成了具有本身行业特色的治理形式。蜀人担保公司成立之初经由过程向同业业优良公司进修,树立了本身独有的治理形式。而且跟着成长中详细成绩的涌现,赓续修改、调剂终究构成了以后的治理系统。但是跟着内部行业竞争的加重与市场增速的放缓,其以“打补钉”方法所修建的治理架构已弗成防止地涌现浩瀚治理成绩,限制了本身成长。急切须要全部系统从基本开端的优化变更。本文开篇引见了担保营业中各个介入者的定位,而且对营业形式也做了年夜致的论述,侧重点明风险与收益的纰谬称性来讲明担保公司经由过程治理形式的架构以完成风险把控的主要。在对担保行业构成的配景和成长缘由停止详细引见和剖析后,不只证实担保公司存在的需要性和意义,同时也提醒了年夜情况对担保公司治理方法、风险收益选择的影响。也就是在如许的配景下蜀人担保公司成立运营,并慢慢构成了以后的治理计划。(1)本文起首是找出成绩。关于蜀人公司运营治理情形,先将静态的治理构造分红了组织和功效两个板块停止引见,再对静态的营业流程及风险掌握流程也予以论述。两者联合描写出了蜀人公司以后的治理形式。以后再将各时代蜀人公司的运营绩效和年夜致的治理构造停止纵向描写及比较,联合同业业中小区域甚至全国规模内龙头企业的治理形式和近似行业成熟的治理经历,与蜀人公司停止横向比较,两绝对比之下摸索其治理存在的成绩。(2)其次剖析成绩。应用定性剖析法归结绩效欠安的详细表示,透过裸露出的数据、外面情势的差别总结出影响身分和更深条理的个性缘由。(3)再次处理成绩。借助经历总结法参考比较过的其他优良公司的治理计划再辅以逻辑断定,以于“专业化分工”的焦点思惟从新构建了蜀人公司的组织构造并付诸新的本能机能。在新的框架下,优化调剂了营业流程及响应的治理轨制,以期处理剖析中碰到的详细成绩。经由过程如许的优化调剂,处理治理成绩以后的蜀人公司得以从新扎稳基础,将后期营业范围、公司范围过于疾速的成长中带来的诸多弊病予以处理。这也是本研讨的焦点价值。另外,本文具体描写的担保公司治理形式和所剖析的蜀人公司积年来治理形式变更,对碰到相似成绩的其他担保公司有自创意义。而绝对其他研讨文章而言,本文提出的不是纯洁的治理实际,而是一套成型的可以直接应用的治理计划,填补了同类研讨在适用性上的缺乏,并且关于缺少成熟治理形式的金融类公司具有指引感化。

Abstract:

China guarantee industry began in the 1990s, the growth for more than twenty years to experience the early the scale of state-owned enterprise reform, reform and opening up the rapid economic growth and in recent years to the economic crisis, constitute the has the characteristics of the industry itself in the form of governance. Shu people at the beginning of the establishment of Guarantee corporation through the process to the industry, excellent learning, set up their own unique form of governance. And follow the growing performance with continuously emerging, modify, adjust a governance system after all. But follow aggravated and market growth slowdown in the internal competition in the industry, the "patched" method for the construction of the governance structure have been Eph into prevent the emergence of the vastness of the governance issues, limiting the growth itself. All the urgent need to change from the beginning of the basic optimization system. At the beginning, this thesis introduces the guarantee business in all of those involved in the positioning and on the form of business also made cause of the eve of the exposition, focus on pointing out the risks and benefits of the PI paradox says to explain security company through process management in the form of architecture to complete the risk to control the main. In the form of the guarantee industry background and growth reason to stop a detailed introduction and analysis, not only confirmed security companies exist the necessity and significance, and also to remind the eve of guarantee method of corporate governance, the risk return choice. It is in this context of Sichuan Guarantee corporation established operations, and slowly formed later management plan. (1) this paper is to find out the results. About the Shu people company management situation, the governance structure of the organization and function of the static dividend two plates are introduced, then the business process and the risk of static control flow also discussed. Combined with description of the Shu people after the company in the form of governance. Later will be the era of Sichuan people, operational performance and cause of the eve of the governance structure of a stop longitudinal description and comparison, the trade union industry small and medium-sized regional and even national leading enterprises governance form and approximate industry mature management experience, and Shu people company stop horizontal comparison, the two contrast grope its governance problems. (2) the second analysis results. Using qualitative analysis method is reduced performance of the Qianan represented in detail through the difference between exposed data and outside situation summed up the influencing factor and the deeper reasons of personality. (3) re processing performance. With experience reference comparison method over other excellent company governance program supplemented by logical judgment, to in the thought of "specialization" focus from the new construction of the Shu people the company's organizational structure and put into new instinct function. Under the new framework, the optimization of swap system to manage business processes and response to treatment, detailed analysis in the encounter. Adjusted by process such optimization, the governance issues in the future, the Shu people the company can be from police cadet solid foundation, the late business scope, company scope of too rapid growth of many shortcomings to be addressed. This is also the research focus of value. In addition, this paper describes the guarantee corporation governance form and the analysis of the Shu people company Jinian to form of governance change, to encounter the similar results of other security companies have own meaning. And in terms of absolute other research articles, this is not pure governance, but forming a set of can direct application of the management plan, fills the similar study on applicability of lack, and of lacking a financial company of the mature form of governance has the guiding sense of.

目录:

摘要4-6
Abstract6-7
1 绪论11-13
    1.1 研究目的11
    1.2 研究意义11-12
    1.3 研究方法与技术路线12
    1.4 研究的主要内容和逻辑结构12-13
2 文献研究与分析框架13-19
    2.1 担保业务介绍13-16
        2.1.1 相关参与者的定位及作用13
        2.1.2 业务模式13-15
        2.1.3 风险及收益15-16
    2.2 担保机构主要分类16-17
    2.3 现有研究的主要观点及不足17-18
        2.3.1 主要观点17-18
        2.3.2 不足之处18
    2.4 本文的主要贡献18-19
3 行业发展历程及蜀人公司担保业务管理模式19-30
    3.1 担保行业产生、发展的背景及原因19-20
    3.2 我国担保业发展现状20-22
    3.3 公司概况22-24
        3.3.1 公司成立背景22-23
        3.3.2 公司发展历程23
        3.3.3 公司经营宗旨及发展目标23-24
    3.4 蜀人公司担保业务管理模式24-30
        3.4.1 组织结构24
        3.4.2 各组织人员构成、功能及运行方式24-27
        3.4.3 担保业务流程27-30
4 蜀人公司发展中存在的主要问题及原因分析30-45
    4.1 蜀人公司各时期经营绩效分析30-33
        4.1.1 各时期经营绩效30-31
        4.1.2 蜀人公司与其他公司绩效比较31-32
        4.1.3 历史经营绩效对比32-33
    4.2 蜀人公司发展中表现的主要问题33-34
        4.2.1 经营绩效下降,经营偏离目标33-34
        4.2.2 公司风险隐患增多、效率低下34
    4.3 问题源于经营管理中的缺陷34-35
    4.4 管理结构限制公司规模35-39
        4.4.1 务增长方式方向性错误35-36
        4.4.2 业务流程冗长36-38
        4.4.3 专业化分工不足,职业水平限制38-39
    4.5 纵向管理体系失灵39-42
        4.5.1 主管部门行政干预市场化运作39-40
        4.5.2 关键决策者个人主导倾向明显40
        4.5.3 决策层整体评议风格僵化40-42
    4.6 各管理模块间冲突42-45
        4.6.1 组织定位不清晰42-43
        4.6.2 组织职能分配不合理43
        4.6.3 人力资源管理体系粗糙43-45
5 优化蜀人公司管理体系的举措45-60
    5.1 优化思路及期望效果45-46
        5.1.1 优化思路45
        5.1.2 纵向管理体系45-46
        5.1.3 内部管理方式46
    5.2 组织结构假设及功能设计46-51
        5.2.1 组织结构重新架设46-47
        5.2.2 管理方式调整47-49
        5.2.3 组织及人员职能分配49-51
    5.3 人员结构调整51-53
    5.4 决策机制合理化53-56
        5.4.1 明确决策标准53-54
        5.4.2 决策权力分化54-56
        5.4.3 决策人员组成56
    5.5 管理方式调整56-60
        5.5.1 管理制度完善56-58
        5.5.2 务流程简化58-60
6 结语60-62
    6.1 研究的实用价值60
    6.2 研究的局限性60-61
    6.3 对深入研究的指导意义61-62
参考文献62-64
致谢64