中国扶贫小额信贷机构可持续发展研究

发布时间：2018-05-20 03:20

本文选题：扶贫小额信贷机构 + 可持续发展　；参考：《南京财经大学》2013年硕士论文

【摘要】：小额信贷是一个健全的金融系统中不可或缺的一环，，目前我国的扶贫小额信贷业务主要面向的是贫困人群、中低收入人群以及小微企业，虽然具有政策背景，但是要实现扶贫小额信贷机构的可持续发展，机构还需向商业化和制度主义方向转变。要促进扶贫小额信贷的可持续发展，就必须使其能够通过正常的经营活动获取必要的利润，要达到这一目的，关键是要确定什么样的利率水平和机制有助于实现小额贷款业务的可持续发展和借贷双方的双赢。可持续的小额信贷机构，其成功的原因不仅仅是可持续的利率水平，更重要的是利率背后的运作机制，可持续的利率水平是小额信贷机构成功的关键，也是可持续运作机制的必然结果。本文以小额信贷机构可持续发展利率水平的估算作为切入点，根据①不同类型模式；②财务数据的可获得性；③机构运作的成熟程度，这三点标准选择了三家小额信贷机构即中国扶贫基金会小额信贷部暨中和农信项目管理有限公司、四川仪陇县乡村发展协会以及浙江泰隆商业银行作为研究样本，进行详细的案例对比分析。分析过程中使用收支平衡模型和Rosenberg模型对三家小额信贷机构的可持续利率水平进行估算，在估算结果的基础上，结合机构自身的基本情况和运作机制模式所具有的特点进行一系列对比分析，得出的分析结论认为扶贫小额信贷机构的商业化是实现其财务独立、提高经营管理效率、降低成本从而实现可持续发展的必由之路，验证了小额信贷由福利主义向制度主义转变的趋势。文章最后从政府和机构两个层面为扶贫小额信贷的可持续发展提出了建议。
[Abstract]:Microfinance is an indispensable part of a sound financial system. At present, the poor micro credit business of our country is mainly oriented to the poor, the middle and low income people and the small and micro enterprises. Although it has the policy background, it is necessary to realize the sustainable development of the poor micro credit institutions, and the institutions need to be commercialized and institutionalized. Change.
To promote the sustainable development of poverty alleviation microfinance, it is necessary to make it possible to gain the necessary profit through normal operating activities. In order to achieve this goal, the key is to determine what kind of interest rate and mechanism can help to achieve the sustainable development of small loan business and the win-win of the borrowers. The sustainable microcredit institution, The reason for the success is not only the sustainable interest rate, but also the operating mechanism behind the interest rate. The sustainable interest rate is the key to the success of the microfinance institutions and the inevitable result of the sustainable operation mechanism.
This paper takes the estimation of the interest rate level of the sustainable development of microcredit institutions as a breakthrough point. According to the different types of models, the availability of the financial data, and the maturity of the operation of the institutions, the three standards have chosen three microfinance institutions, the microcredit Department of the China Poverty Alleviation foundation and the Management Limited company of neutralization of rural credit. Sichuan Yilong County Rural Development Association and Zhejiang Tyrone commercial bank as a research sample, a detailed case contrast analysis is conducted.
In the process of the analysis, the revenue and expenditure model and Rosenberg model are used to estimate the sustainable interest rate level of three microfinance institutions. On the basis of the estimated results, a series of comparative analyses are carried out on the basis of the basic situation of the institutions and the characteristics of the operating mechanism model. The commercialization of the structure is the only way to realize its financial independence, improve the efficiency of management, reduce the cost and realize the sustainable development, and verify the trend of the transformation of microcredit from the welfare to the institutionalism.
Finally, from the two levels of government and institutions, the article puts forward some suggestions for the sustainable development of poverty alleviation microfinance.
【学位授予单位】：南京财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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