我国小额贷款公司社会绩效评估体系研究

发布时间：2018-06-26 17:34

本文选题：微型金融 + 小额贷款公司　；参考：《北京工商大学》2012年硕士论文

【摘要】：微型金融已经成为国际上治理贫困的有效手段，也是我国服务“三农”的有力工具。小额贷款公司不仅是我国微型金融商业化发展的必然结果，更是我国农村金融体系创新的产物，服务“三农”责无旁贷。但是，小额贷款公司的身份界定尚未明晰，其发展也面临着诸如目标偏离、资金来源狭窄、税负较重等一系列的问题。研究社会绩效的相关问题不仅能够促进我国小额贷款公司实现服务“三农”社会目标，也有利于解决小额贷款公司发展过程中的资金、管理瓶颈。本文以我国小额贷款公司是否以及如何履行服务“三农”的社会责任为出发点，定义我国小额贷款公司的社会绩效目标为服务“三农”，借鉴国际经验，选定符合我国小额贷款公司的社会绩效评估指标，运用层次分析法确定社会绩效评估指标权重，并对我国小额贷款公司进行社会绩效评估的步骤和方法进行诠释。本文提出，我国小额贷款公司的社会绩效评估体系包含3个维度9个标准29个指标。该指标体系有利于我国小额贷款公司在可持续发展的基础上评估其社会责任的履行情况。最后，本文总结了我国小额贷款公司社会绩效评估体系的研究结论，认为社会绩效评估体系的完善，需要确定社会绩效评估的主体以及实现形式，还应从企业和政府政策着手，，搭建信息平台、放松政策环境，提高我国小额贷款公司信息透明度。
[Abstract]:Microfinance has become an effective means to control poverty in the world and a powerful tool to serve agriculture, countryside and farmers in China. Microfinance companies are not only the inevitable result of the commercialization of micro-finance in China, but also the product of innovation of rural financial system in China. However, the definition of the identity of microfinance companies is not clear, its development also faces a series of problems such as deviation of target, narrow source of funds, heavy tax burden and so on. The research on social performance can not only promote the micro-loan companies to realize the social goal of serving agriculture, rural areas and farmers, but also help to solve the fund and management bottleneck in the process of the development of micro-credit companies. Based on whether and how to fulfill the social responsibility of serving "agriculture, countryside and farmers", this paper defines the social performance target of Chinese microfinance companies as the service of "agriculture, countryside and farmers", and draws lessons from international experience. This paper selects the social performance evaluation index which accords with the micro-credit company of our country, uses the analytic hierarchy process to determine the weight of the social performance evaluation index, and interprets the steps and methods of the social performance evaluation of the micro-credit company in our country. This paper proposes that the social performance evaluation system of micro-credit companies in China includes 9 criteria and 29 indicators in 3 dimensions. This index system is helpful to evaluate the social responsibility of microfinance companies on the basis of sustainable development. Finally, this paper summarizes the research conclusions of the social performance evaluation system of micro-credit companies in China, and thinks that the improvement of the social performance evaluation system needs to determine the main body and the form of social performance evaluation, and should start with the policies of enterprises and governments. Build the information platform, relax the policy environment, improve the information transparency of China's microfinance companies.
【学位授予单位】：北京工商大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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