CGAP指标体系下高桥小额贷款公司可持续性研究
发布时间：2018-10-16 14:13
【摘要】：摘要：我国从2005年开始进行小额贷款公司的试点工作。经过几年发展,截止至2012年全国共计小额贷款公司6080家。但是小额贷款公司身份定位、监督政策、经营要求等多方面仍然处于不完善的阶段,作为我国特有的一种小额信贷机构组织形式,小额贷款公司能否实现可持续发展一直倍受关注。研究小额贷款公司的可持续发展有助于探索适合小额贷款公司持续经营的发展策略、发展方向。 本文在对小额信贷机构的可持续性进行理论分析的基础上,介绍小额信贷机构发展现状,本文选择高桥小额贷款公司作为具体的研究对象,对其经营现状进行分析,然后从外部经营环境和内部业务操作两个方面对其可持续性作出分析。在可持续研究部分,本文重点运用世界银行扶贫协商组织(CGAP)在研究小额信贷机构可持续性时采用的指标体系,对高桥小额贷款公司的可持续性从财务、利率和覆盖面三个方面进行研究,将小额信贷信息交流中心(MIX)关于小额信贷机构研究结果和高桥小额贷款公司研究结果进行对比分析。通过内外部分析、对比分析找出公司在可持续发展中存在的问题,并对原因进行探究,最后从外部环境、内部经营和业务操作等角度提出对应建议,找出公司适合的发展道路。
[Abstract]:Absrtact: the pilot work of micro-loan company began in 2005 in our country. After several years of development, up to 2012, a total of 6080 microfinance companies. However, the status of microfinance companies, supervision policies, business requirements and other aspects are still in an imperfect stage, as a unique form of micro-credit organization in China. Whether the microfinance company can realize the sustainable development has been paid close attention to all the time. To study the sustainable development of microfinance companies is helpful to explore the development strategy and development direction suitable for microfinance companies. Based on the theoretical analysis of the sustainability of microfinance institutions, this paper introduces the current situation of the development of microfinance institutions. Then it analyzes its sustainability from two aspects: external business environment and internal business operation. In the sustainable research part, this paper focuses on the use of the World Bank's poverty alleviation consultative organization (CGAP) in the study of the sustainability of microfinance institutions indicators system, the sustainability of Takahashi microfinance companies from the financial, The research on interest rate and coverage is carried out. The research results of (MIX) and Takahashi Microcredit Corporation are compared and analyzed. Through internal and external analysis, comparative analysis to find out the problems in the sustainable development of the company, and explore the reasons, and finally from the external environment, internal management and business operations to put forward corresponding suggestions, to find out the suitable way of development of the company.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
本文编号：2274618
[Abstract]:Absrtact: the pilot work of micro-loan company began in 2005 in our country. After several years of development, up to 2012, a total of 6080 microfinance companies. However, the status of microfinance companies, supervision policies, business requirements and other aspects are still in an imperfect stage, as a unique form of micro-credit organization in China. Whether the microfinance company can realize the sustainable development has been paid close attention to all the time. To study the sustainable development of microfinance companies is helpful to explore the development strategy and development direction suitable for microfinance companies. Based on the theoretical analysis of the sustainability of microfinance institutions, this paper introduces the current situation of the development of microfinance institutions. Then it analyzes its sustainability from two aspects: external business environment and internal business operation. In the sustainable research part, this paper focuses on the use of the World Bank's poverty alleviation consultative organization (CGAP) in the study of the sustainability of microfinance institutions indicators system, the sustainability of Takahashi microfinance companies from the financial, The research on interest rate and coverage is carried out. The research results of (MIX) and Takahashi Microcredit Corporation are compared and analyzed. Through internal and external analysis, comparative analysis to find out the problems in the sustainable development of the company, and explore the reasons, and finally from the external environment, internal management and business operations to put forward corresponding suggestions, to find out the suitable way of development of the company.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
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，本文编号：2274618
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