微型金融机构的效率权衡:财务效率与社会效率——以江苏省小额贷款公司为例

发布时间：2018-05-25 15:13

本文选题：微型金融机构 + 小额贷款公司　；参考：《经济理论与经济管理》2013年05期

【摘要】：在微型金融机构的财务持续和社会拓展双重目标下,本文采用56家江苏省小额贷款公司的调查数据,使用DEA-Tobit方法分析了小额贷款公司的财务效率和社会效率的目标权衡。结果显示:(1)在经营策略和技术进步上,小额贷款公司的财务效率和社会的平均值基本等同,且效率值的数量分布相似,但经营规模上,财务效率的平均值小于社会效率,且其数量分布范围比社会效率更大;(2)金融发展对小额贷款公司的财务效率和社会效率均产生负向影响;(3)小额贷款公司的盈利能力、资产规模都有助于其财务效率和社会效率的提升,而支农广度仅对财务效率影响为负,但对社会效率的影响不明显。
[Abstract]:Under the dual objectives of the financial sustainability and social expansion of the micro financial institutions, this paper uses the survey data of 56 small loan companies in Jiangsu province to analyze the goals of the financial efficiency and social efficiency of the microfinance companies by using the DEA-Tobit method. The results show that: (1) the finance of microfinance companies in the strategy and technological progress The average value of efficiency and society is basically the same, and the number distribution of efficiency values is similar, but the average value of financial efficiency is less than social efficiency on the scale of operation, and the range of its quantity distribution is greater than that of social efficiency; (2) financial development has a negative impact on the financial efficiency and social efficiency of small loan companies; (3) the earnings of microfinance companies. The ability to benefit and the size of the assets help to improve their financial efficiency and social efficiency, while the breadth of the agriculture only has a negative impact on the financial efficiency, but the impact on the social efficiency is not obvious.
【作者单位】：南京审计学院金融学院;
【基金】：江苏省高校哲学社会科学重大与重点项目(2010ZDIXM034) 江苏省“青蓝工程”项目江苏高校人文社会科学“江苏科技金融体系创新”校外研究基地项目
【分类号】：F832.4;F224

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