微型金融机构双重目标的冲突与治理:研究进展述评

发布时间：2018-05-24 01:48

本文选题：微型金融机构 + 财务可持续　；参考：《经济评论》2011年05期

【摘要】：微型金融机构要同时实现财务可持续(财务目标)与减缓贫困(社会目标)两大目标,然而,这两个目标间的冲突问题却长期困扰着其发展。本文系统整理了国内外有关微型金融机构双重目标冲突与治理领域的理论与实证文献,研究发现对微型金融机构双重目标是否冲突在理论和实证研究中均存在争议。伴随着微型金融商业化,"目标偏离"已成为双重目标冲突的新表现,但通过实施社会绩效管理,微型金融机构可以有效地降低双重目标间的冲突。虽然我国农村金融机构双重目标冲突问题已经显现,但相关研究并不多。因此,我国未来的研究应该集中在界定农村金融机构双重目标含义、构建评估体系、制定报告标准、探索双重目标约束下的可持续发展机制等方面。
[Abstract]:Microfinance institutions want to achieve both financial sustainability (financial objectives) and poverty alleviation (social goals). However, the conflict between these two goals has long plagued their development. This paper systematically collates the theoretical and empirical literature on the dual objective conflict and governance of microfinance institutions at home and abroad, and finds that there are disputes in the theoretical and empirical studies on whether the dual objectives of microfinance institutions are in conflict. With the commercialization of micro-finance, "goal deviation" has become a new manifestation of the conflict of dual objectives. However, through the implementation of social performance management, microfinance institutions can effectively reduce the conflict between the two objectives. Although the dual-target conflict of rural financial institutions has appeared in China, there are few related studies. Therefore, the future research of our country should focus on defining the meaning of dual objectives of rural financial institutions, constructing an evaluation system, formulating reporting standards, and exploring the mechanism of sustainable development under the constraint of dual objectives.
【作者单位】：北京工商大学经济学院金融系;对外经济贸易大学应用经济学博士后流动站;
【基金】：国家自然科学基金青年项目(71003022) 中国博士后基金面上项目(20090460257)以及中国博士后基金特别资助项目(2010083) 北京市委组织部优秀人才资助项目(2010D005003000009) 北京市教委面上项目(SM201110011002)的资助
【分类号】：F832.4

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