正规金融与小额贷款公司合作研究

发布时间：2018-02-27 07:50

本文关键词： 正规金融小额贷款公司合作指标体系激励机制　出处：《中国海洋大学》2012年硕士论文　论文类型：学位论文

【摘要】：小额贷款公司是由政府支持设立的旨在增加农村金融市场资金供给的新型农村金融机构，它有正规金融所不具有的信息优势，可以成为正规金融机构进驻农村市场较好的“乡村中介”。正规金融与小额贷款公司合作是对正规金融与非正规金融合作研究领域做出的拓展和深化，具有一定的理论价值；同时双方的合作还是解决农村资金缺乏的有效途径，可以提高信息的对称程度，活跃当前农村金融市场，具有较强的现实意义。正规金融与小额贷款公司的合作应包含多个方面，论文主要从正规金融与小额贷款公司的合作形式、正规金融对小额贷款公司的筛选，及政府激励机制的选择三方面探讨了正规金融与小额贷款公司的合作问题。论文首先对正规金融与小额贷款公司的合作形式进行分析，通过对各省份大量案例的整理归纳，总结出国内正规金融与小额贷款公司合作的三种形式：转贷款、担保贷款、合作贷款。在转贷款形式下，正规金融机构按照基准利率上浮一定百分比的利率发放贷款给小额贷款公司，由小额贷款公司自主决定发放的贷款对象和利率水平，小额贷款公司对这部分贷款承担完全的风险，转贷款形式也是目前正规金融与小额贷款公司合作的最主要形式；在担保贷款形式下，小额贷款公司需要发挥自身的信息优势，将通过审核的客户递交给正规金融机构，自身为这些客户提供担保，承担一定的风险；在合作贷款形式下，正规金融与小额贷款公司按照约定的比例向共同的客户发放贷款，并按比例承担风险。其次，依据评级机构对金融机构的评价指标、金融机构对贷款客户的评价指标及政府对小额贷款公司的分类评级指标，对正规金融筛选小额贷款公司的指标和评价标准做出讨论和修正，最终制定了七个一级指标和十四个二级指标，涵盖了针对小额贷款公司资本充足性、资产质量、盈利能力、流动性、前景、管理水平、风险控制能力评价的各个方面，并对各级指标的权重和评价标准做出了规定，，正规金融按照评价标准、通过打分形式即可确定小额贷款公司的等级，并决定是否与其合作。最后，由于正规金融是基于利益对小额贷款公司进行筛选，它没有动机提供激励去促使小额贷款公司实现普惠金融，只有政府可以提供激励来促使小额贷款公司获取最终借款人的全部财富和能力信息，实现普惠金融。论文分析了政府提供激励可依据的指标，并探讨政府在没有激励、对能力信息激励、对财富信息激励、对能力和财富信息同时激励的四种情况下，小额贷款公司的经营约束及向三农和农户提供贷款比例的满足情况，最终得出政府在对能力和财富信息同时激励时，虽然支付较高的成本，但是既能保证小额贷款公司盈利，又能实现普惠金融，是一种最优的激励机制的结论。论文的创新之处在于：一是选题比较新颖，国内对正规金融与小额贷款公司合作的研究是比较空白的领域；二是建立了正规金融筛选小额贷款公司的指标体系，共包括七个一级指标和十四个二级指标；三是讨论了政府激励机制选择的情况，最优的激励发生在当政府对能力信息和财富信息同时提供激励时。
[Abstract]:The small loan company is a new kind of rural financial institution which is set up by the government to increase the fund supply of rural financial market . It has the information advantage that the formal finance does not have , it can become the " country intermediary " of the formal financial institution to enter the rural market . The cooperation between formal finance and small loan company is an effective way to solve the shortage of formal finance and informal financial cooperation , which can improve the degree of symmetry of information , active current rural financial market , and has strong practical significance . The cooperation between formal finance and micro - loan company should include multiple aspects , such as the cooperation between formal finance and micro - loan company , the screening of micro - loan company by formal finance , and the choice of government incentive mechanism . In the form of revolving loan , the formal financial institution pays a certain percentage of interest rate at the benchmark interest rate to the small loan company , which is also the most important form of cooperation between formal finance and small loan company . Secondly , according to the rating agency ' s evaluation index of financial institution , the financial institution ' s evaluation index and the government ' s classification rate index of the loan clients , the paper discusses and corrects the index and evaluation standard of the micro - loan company in the formal financial screening , and finally establishes seven first - level indicators and fourteen secondary indexes , which covers all aspects of the capital adequacy , asset quality , profitability , liquidity , prospect , management level and risk control ability evaluation of the micro - loan company . Finally , because the formal finance is based on the benefit to the small loan company to carry on the screening , it has no motive to offer incentive to urge the small loan company to realize the benefit finance , only the government can provide the incentive to prompt the small loan company to obtain the final borrower ' s full wealth and ability information , realize the Pratt Whitney finance . The innovation of this paper is : Firstly , the research on cooperation between formal finance and micro - loan company is a blank field , and the second is the establishment of the index system of formal financial screening micro - loan company , including seven first - level indicators and fourteen secondary indicators ;

【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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