安徽省小额贷款公司核心竞争力研究
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摘要
小额贷款公司作为我国金融制度的创新,对缓解“三农”和中小企业资金短缺、推动就业等具有重要意义,也为地方政府组织民问金融资源促进区域经济协调发展开辟了新途径。安徽省拥有超过110万家中小企业和个体工商户,绝大多数分布在广大县域。小额贷款公司极大地促进安徽省的中小企业和“三农经济发展。小额贷款公司的数量发展迅猛,居中部省份第一。但是从安徽省的小额贷款公司核心竞争力现状看,目前我省小额贷款公司的核心竞争力还存在许多问题。如对核心竞争力的认识不充分、风险管理技术薄弱、激励约束机制缺乏等等。本文在前人和其他学者研究的基础上,试图通过对安徽省小额贷款公司核心竞争力现状和存在的问题进行深入分析,然后对小额贷款公司的发展提出自己的一些看法。
本文首先对小额贷款公司的核心竞争力理论进行概述。作者认为,小额贷款公司要想在市场竞争中获得生存和发展,需要运用企业管理方面的知识,对小额贷款公司核心竞争力的构建和培育进行研究。核心竞争力是企业的一种巨大的战略资源,小额贷款公司通过培育和提升核心竞争力可以迅速占领市场,赢得超额利润。核心竞争力可以粗略地分为技术和管理两大能力。小额贷款公司兼具备银行、公司与民间金融的优势。因此,对小额贷款公司的核心竞争力进行更为细致的分析,作者通过自己的研究,在理论文献的基础上总结出小额贷款公司的核心竞争力构成要素是多维的。小额贷款公司的核心能力,可以概括为以创新能力为中心,以产品服务营销能力为支撑,以公关协调和组织管理为联系纽带,各个子系统之间紧密联系、互相支持共同形成的一个复杂的能力系统。通过实地调研分析安徽省小额贷款公司目前的核心竞争力现状及其制约核心竞争力提升的因素。在此问题的基础上,有针对性地提出培育安徽省小额贷款公司核心竞争力的具体方法。
Micro-credit Company, as the innovation of our financial system, is important to relieve the shortage of funds for "agriculture, countryside and farmers", small and medium-sized enterprises, and also to promote employment etc. In addition, it is of great significance for the organization of private financial resources by local government, opening up new ways to promote harmonious development of the regional economy. There are more than 110 thousand small and medium-sized enterprises and individually--wned businesses in Anhui Province and they are mostly distributed in the county domain. Micro-credit Company greatly promotes the development of small and medium-sized enterprises and rural economy in Anhui, the number of which grows rapidly, ranking first in central provinces. However, there still exist many problems in the micro-credit company's core competitiveness in Anhui, including a lack of understanding of the core competitive force, a weak risk management technology, and a deficient incentive-restricted mechanism. Based on the previous researches, the thesis aims at analyzing Anhui micro-credit company core competitive situation and existing problems, attempting to proposes the author's own understandings and suggestions.
In this paper, the Core Competiveness Theory of micro-credit company is first introduced. The author holds that if micro-credit company wants to survive and develop in the present market competition, they need to utilize the survival and development of enterprise management to construct and cultivate the core competitive ability of micro-credit company. Since the core competitiveness of the enterprise presents as strategic resources, micro-credit company can rapidly occupy market position and gain the excess profit through cultivating and enhance their core competitiveness. Core competencies can be roughly divided into two major technical and managerial capacities. And micro-credit company has such advantages as banks, corporations and private financial. Hence, core competitiveness of the micro-credit company is given a detailed analysis to summarize multi-dimensional elements of core competitiveness. The core ability of Micro-credit company can be summarized as a complex system which is able to innovate as the center, to support products and services marketing, to link between public relations coordination and management, and to contact close between the various subsystems and support each other. Then through the investigation of situation of Anhui micro-credit companies, we can propose the restricting factors core competence of micro-credit companies in Anhui. As far as core competiveness is concerned, the specific strategies have been put forward to promote the core competitiveness of micro-credit companies.
本文首先对小额贷款公司的核心竞争力理论进行概述。作者认为,小额贷款公司要想在市场竞争中获得生存和发展,需要运用企业管理方面的知识,对小额贷款公司核心竞争力的构建和培育进行研究。核心竞争力是企业的一种巨大的战略资源,小额贷款公司通过培育和提升核心竞争力可以迅速占领市场,赢得超额利润。核心竞争力可以粗略地分为技术和管理两大能力。小额贷款公司兼具备银行、公司与民间金融的优势。因此,对小额贷款公司的核心竞争力进行更为细致的分析,作者通过自己的研究,在理论文献的基础上总结出小额贷款公司的核心竞争力构成要素是多维的。小额贷款公司的核心能力,可以概括为以创新能力为中心,以产品服务营销能力为支撑,以公关协调和组织管理为联系纽带,各个子系统之间紧密联系、互相支持共同形成的一个复杂的能力系统。通过实地调研分析安徽省小额贷款公司目前的核心竞争力现状及其制约核心竞争力提升的因素。在此问题的基础上,有针对性地提出培育安徽省小额贷款公司核心竞争力的具体方法。
Micro-credit Company, as the innovation of our financial system, is important to relieve the shortage of funds for "agriculture, countryside and farmers", small and medium-sized enterprises, and also to promote employment etc. In addition, it is of great significance for the organization of private financial resources by local government, opening up new ways to promote harmonious development of the regional economy. There are more than 110 thousand small and medium-sized enterprises and individually--wned businesses in Anhui Province and they are mostly distributed in the county domain. Micro-credit Company greatly promotes the development of small and medium-sized enterprises and rural economy in Anhui, the number of which grows rapidly, ranking first in central provinces. However, there still exist many problems in the micro-credit company's core competitiveness in Anhui, including a lack of understanding of the core competitive force, a weak risk management technology, and a deficient incentive-restricted mechanism. Based on the previous researches, the thesis aims at analyzing Anhui micro-credit company core competitive situation and existing problems, attempting to proposes the author's own understandings and suggestions.
In this paper, the Core Competiveness Theory of micro-credit company is first introduced. The author holds that if micro-credit company wants to survive and develop in the present market competition, they need to utilize the survival and development of enterprise management to construct and cultivate the core competitive ability of micro-credit company. Since the core competitiveness of the enterprise presents as strategic resources, micro-credit company can rapidly occupy market position and gain the excess profit through cultivating and enhance their core competitiveness. Core competencies can be roughly divided into two major technical and managerial capacities. And micro-credit company has such advantages as banks, corporations and private financial. Hence, core competitiveness of the micro-credit company is given a detailed analysis to summarize multi-dimensional elements of core competitiveness. The core ability of Micro-credit company can be summarized as a complex system which is able to innovate as the center, to support products and services marketing, to link between public relations coordination and management, and to contact close between the various subsystems and support each other. Then through the investigation of situation of Anhui micro-credit companies, we can propose the restricting factors core competence of micro-credit companies in Anhui. As far as core competiveness is concerned, the specific strategies have been put forward to promote the core competitiveness of micro-credit companies.
引文
[1]阮垂玲,费芳.金融与中小企业融资研究,[J].现代商贸工业,2008(1)
[2]郭斌,刘曼路.民间金融与中小企业发展：对温州的实证分析究,[J].经济研究.2002(10)
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[15]黄骥.关于企业构建核心竞争力问题的探索[J].商场现代化,2006,(06)
[16]纪广军.中小企业核心竞争力构筑研究[D].天津大学管理学院,2007
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[19]彭烨.小额贷款公司发展之法律保障[D].湖南大学,2009
[20]王稳,张冀.小额贷款公司发展现状、对策及前景展望[J].甘肃金融,2010,11
[21]王宝森.构建具有核心竞争力的企业文化,[A].2008第三届中国管理学年会论文集,2008
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[26]顾志群.中小企业核心竞争能力与企业成长战略研究,[J].经济问题.2000,10
[27]万伦来,达庆利.企业核心能力的识别方法研究[J].管理工程学报,2003.2
[28]卢友东,宋涛.实施客户关系管理,提升企业核心竞争力[J].价值工程,2004,1.
[29]胡聪慧.小额贷款公司的信贷风险及其控制-基于平遥模式的调查与思考,[J].经济研究,2008.1
[30]黄锡伟.打造核心竞争力,人民邮电出版社,[M].2004年版
[31]徐郑锋,戴丽萍.核心竞争力与企业价值增值[J].工业技术经济,2007.3
[32]张绍瑞.小额贷款公司：创新与挑战[J].中国金融,2006,14
[33]王宁宁.小额贷款公司的发展与创新分析[J].市场研究,2009.8
[34]张丹丹.小额贷款公司发展的路径选择[J],黑龙江对外经贸,2008,11
[35]郑曙光,林恩伟.小额贷款公司运行中的政策环境与制度完善——基于对浙江省小额贷款公司设立、运行现状的调查、分析[J].宁波大学学报(人文科学版),2010,6
[36]刘寅喆,银河.村镇银行对农村金融的意义及其发展策略[J].商业时代,2008,9
[37]马雪彬,樊莉.商业性小额信贷：发展前景与现实障碍[J].甘肃金融,2008,1
[38]黄艳.小额贷款公司的制度障碍与破解[J].福建财会管理干部学院学报,2009,3
[2]郭斌,刘曼路.民间金融与中小企业发展：对温州的实证分析究,[J].经济研究.2002(10)
[3]C.K.Prahalad,GaryHamel.The core competence of the corporation. [J]Harvard Business Review,1990, (5-6)
[4]Raghuram G Ra jan,and Luigi Zingales.Powerina Teory of the Firm, [J].Quarterly Journal of Economics,1998,108
[5]Meger.CoreComPetenee:What does it leaninPraetice?[J]. LOngRangePlarming,1997(3)
[6]吴俊本,何素芳.企业核心竞争力初探,[J],经济计划与管理,2007年3月
[7]谢京,吴育华.商业银行核心竞争力的三维评价研究,[J],现代财经,2005年11月
[8]黄继刚.核心竞争力的动态管理[M].北京：经济管理出版社.2004
[9]王秉安.企业核心竞争力理论应用的探讨,福州经济管理学院学报[J].2000
[10]鲁开垠.核心竞争力企业永续制胜之路,[M].经济日报出版社,2001年版
[11]李有星,郭晓梅.论我国小额贷款公司的监管定位与核心规则,[J],2010
[12]关于小额贷款公司试点的指导意见[J].管理工程学报,2003,(02)
[13]汪芹,陈燕玲.创新与发展中的小额贷款公司[M].安徽大学出版社.2010
[14]刘泽双,王广宇,段晓亮.小额贷款风险影响因素的关系结构分析[J]财政与金融.2009.
[15]黄骥.关于企业构建核心竞争力问题的探索[J].商场现代化,2006,(06)
[16]纪广军.中小企业核心竞争力构筑研究[D].天津大学管理学院,2007
[17]陈玉娟,孙利,吴伟中.小额贷款公司市场定位与持续发展研究[J].特区经济,2009.12
[18]王峰娟,杨立峰.小额贷款公司发展面临的问题及改进建议[J].中国农业会计,2009,10
[19]彭烨.小额贷款公司发展之法律保障[D].湖南大学,2009
[20]王稳,张冀.小额贷款公司发展现状、对策及前景展望[J].甘肃金融,2010,11
[21]王宝森.构建具有核心竞争力的企业文化,[A].2008第三届中国管理学年会论文集,2008
[22]中国商报网,http://www.cb-h.com/news/sq/
[23]中国金融网,http://www.zgjrw.com/News/2010727/home/
[24]安徽省小额贷款公司协会,http://www.ahxdxh.com/Default.aspx
[25]郑志辉,王子韩,何蒋玲.国外小额贷款模式与浙江省小额贷款公司试点比较分析[J].2009.4
[26]顾志群.中小企业核心竞争能力与企业成长战略研究,[J].经济问题.2000,10
[27]万伦来,达庆利.企业核心能力的识别方法研究[J].管理工程学报,2003.2
[28]卢友东,宋涛.实施客户关系管理,提升企业核心竞争力[J].价值工程,2004,1.
[29]胡聪慧.小额贷款公司的信贷风险及其控制-基于平遥模式的调查与思考,[J].经济研究,2008.1
[30]黄锡伟.打造核心竞争力,人民邮电出版社,[M].2004年版
[31]徐郑锋,戴丽萍.核心竞争力与企业价值增值[J].工业技术经济,2007.3
[32]张绍瑞.小额贷款公司：创新与挑战[J].中国金融,2006,14
[33]王宁宁.小额贷款公司的发展与创新分析[J].市场研究,2009.8
[34]张丹丹.小额贷款公司发展的路径选择[J],黑龙江对外经贸,2008,11
[35]郑曙光,林恩伟.小额贷款公司运行中的政策环境与制度完善——基于对浙江省小额贷款公司设立、运行现状的调查、分析[J].宁波大学学报(人文科学版),2010,6
[36]刘寅喆,银河.村镇银行对农村金融的意义及其发展策略[J].商业时代,2008,9
[37]马雪彬,樊莉.商业性小额信贷：发展前景与现实障碍[J].甘肃金融,2008,1
[38]黄艳.小额贷款公司的制度障碍与破解[J].福建财会管理干部学院学报,2009,3