安徽省微型金融机构可持续发展研究

发布时间：2018-03-07 22:35

本文选题：微型金融　切入点：微型金融机构　出处：《安徽农业大学》2015年硕士论文　论文类型：学位论文

【摘要】：微型金融是在传统正规金融体系之外发展起来的一种金融业务,从狭义上看,微型金融是指为弱势群体提供小额贷款服务；从广义上看,凡是传统正规金融体系没有涉及到或者没有覆盖的业务和群体都是微型金融服务的范畴。微型金融机构就是指一切提供微型金融服务的机构。只有微型金融机构实现了可持续发展,才能提供长期持续和有效的微型金融服务。微型金融机构的发展一方面弥补了大型金融机构的不足,完善了我国金融体系,是全面建立普惠金融体系的需要；另一方面,由于微型金融机构的主要目标客户是小微企业和农业企业,所以微型金融机构能缓解小微企业和农业企业的融资需求,有助于小微企业的发展和解决“三农”问题,提高人们的收入水平。安徽省微型金融机构从2004年农信社改革开始就进入了快速发展期,具体表现为银行法人的微型金融机构迅速发展、新型农村金融机构较快发展、金融覆盖面不断扩大。但是安徽省大部分的微型金融机构的规模偏小、盈利能力较低,在未来的发展中如何做到可持续是安徽省微型金融机构面临的难题。本文首先介绍了安徽省微型金融以及微型金融机构的发展现状,并以表格的形式列举了近年来安徽省关于微型金融发展的大事记,从宏观上把握安徽省微型金融机构的政策和发展方向；其次,本文从安徽省选取了14个农村商业银行作为代表,对安徽省微型金融机构的可持续发展能力进行分析。同时考虑到样本的充足性,以及为了比较安徽微型金融机构与我国其他地区微型金融机构间可持续发展能力的差异,本文也从我国其他地区选取了13家农商行作为比较分析的样本,利用描述性统计分析和因子分析等实证分析方法,分析了金融机构的可持续发展能力。实证分析的结果表明在27家农村商业银行可持续发展能力的排名中,安徽省的桐城农村商业银行排名第六位、扬子农村商业银行排名第十一位,其余农商行的排名均比较靠后。这说明安徽省微型金融机构的可持续发展能力较低,跟全国其他省市微型金融机构的可持续发展能力相比还有一定的差距。最后本文根据实证分析的结果提出了一些提高安徽省微型金融机构可持续发展的对策和建议。一是加强顶层设计,激活微型金融机构发展潜力；二是引入科学管理制度,完善微型金融机构内部管理；三是加强微型金融产品创新,提升机构外部竞争力；四是合理规划布局,避免盲目增长和过度竞争。
[Abstract]:Microfinance is a kind of financial business developed outside the traditional formal financial system. In a narrow sense, microfinance refers to the provision of microfinance services to vulnerable groups; in a broad sense, All operations and groups not covered or covered by the traditional formal financial system are within the scope of microfinance services. Microfinance institutions refer to all institutions that provide microfinance services. Only microfinance institutions. Achieving sustainable development, On the one hand, the development of microfinance institutions has made up for the shortcomings of large financial institutions, improved the financial system of our country, and is the need to establish an inclusive financial system in an all-round way; on the other hand, Since the main target clients of MFIs are small and micro enterprises and agribusinesses, microfinance institutions can alleviate the financing needs of small and micro enterprises and agribusiness, contribute to the development of small and micro enterprises and solve the "three rural" problems. Since 2004, the reform of rural credit cooperatives in Anhui Province has entered a period of rapid development, which is manifested in the rapid development of micro-financial institutions of banks and legal persons, and the rapid development of new rural financial institutions. Financial coverage continues to expand. However, most micro-financial institutions in Anhui Province are relatively small in size and low in profitability. How to achieve sustainable development in the future is a difficult problem for Anhui microfinancial institutions. Firstly, this paper introduces the current situation of the development of microfinance and microfinance institutions in Anhui Province. And listed in the form of tables about Anhui Province in recent years about the development of microfinance events, from a macro view of the policy and development direction of Anhui micro-financial institutions; secondly, This paper selects 14 rural commercial banks from Anhui Province as the representative to analyze the sustainable development ability of the micro-financial institutions in Anhui Province. At the same time, considering the adequacy of the sample, And in order to compare the differences of sustainable development between Anhui microfinance institutions and other micro-financial institutions in China, this paper also selects 13 agricultural firms from other regions of China as samples for comparative analysis. The sustainable development ability of financial institutions is analyzed by using descriptive statistical analysis and factor analysis. The results show that in the ranking of 27 rural commercial banks' sustainable development ability, Tongcheng Rural Commercial Bank of Anhui Province ranked 6th, Yangzi Rural Commercial Bank ranked 11th, and other agricultural and commercial banks ranked relatively low. This shows that the ability of Anhui micro-financial institutions to develop sustainably is low. Compared with other provinces and cities in China, there is a certain gap between the ability of sustainable development of micro-financial institutions. Finally, according to the results of empirical analysis, this paper puts forward some countermeasures and construction to improve the sustainable development of micro-financial institutions in Anhui Province. The first is to strengthen the top floor design, Activate the development potential of microfinance institutions; second, introduce a scientific management system to perfect the internal management of microfinance institutions; third, strengthen the innovation of microfinance products and enhance the external competitiveness of institutions; fourth, rationally plan the layout, Avoid blind growth and excessive competition.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.3

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