基于可持续发展的我国小额信贷定价方法研究

发布时间：2018-07-20 18:34

【摘要】：小额信贷作为一种金融创新服务,满足了小企业、个体户、农户等无法从正规信贷市场获得资金的金融弱势群体的金融需求,为经济发展,社会稳定做出了很大贡献。与此同时,尽管我国小额信贷在质和量上都有很大的提高,但是机构的可持续发展能力不足始终阻碍其进一步发展,而其中最重要的一点就是利率定价方面的不可持续性。因此从机构可持续发展能力角度出发,对机构定价方法进行研究是非常必要的。在介绍了相关研究背景之后,本文先阐述了本文的研究意义,并从三方面总结了现有国内外研究成果以及研究创新与不足。在第二章中,笔者通过逻辑推导,得出小额信贷机构定价机制形成的关键是实现利率市场化,因此将金融发展理论及其拓展理论作为本文的理论依据。按照“提出问题-分析问题-解决问题”的思路,文章在第三章中首先介绍了我国小额信贷的发展现状,现行定价方法,并详细分析了现行方法中存在的问题。笔者认为现行定价方法没有较为合理的定价模型指导是其中很重要的一个问题,在此基础上,文章进一步介绍现有三类小额信贷定价模型,并分析了各种方法的优缺点。通过分析,笔者认为现有定价方法对于较为合理的定价模型的需求与现有定价模型并不准确的事实形成了矛盾,因此有必要重新构建模型。最后,在对小额信贷利率的影响因素的分析之后,本文运用盈亏平衡思路选择其中的七个因素进行建模,得到基于可持续发展的小额信贷定价模型。模型应用部分验证了该模型具有一定的可操作性。文章最后提出了三条相关政策建议从而为新模型在我国小额信贷机构中的使用创造条件。本文得到了两方面的结论：其一,现有小额信贷模型存在不足；其二,新模型在理论上更为准确,且具有一定可操作性,现阶段采用新模型所得到的较高利率,能够提高小额信贷可持续发展能力。
[Abstract]:Microfinance, as a kind of financial innovation service, meets the financial needs of the weak financial groups, such as small enterprises, self-employed households, farmers and so on, which can not obtain funds from the formal credit market, and has made great contributions to the economic development and social stability. At the same time, despite the great improvement in quality and quantity of microfinance in China, the lack of sustainable development of institutions has always hindered its further development, and the most important point is the unsustainable pricing of interest rates. Therefore, it is necessary to study the institutional pricing method from the perspective of institutional sustainable development ability. After introducing the relevant research background, this paper first describes the significance of this study, and summarizes the existing domestic and foreign research results and research innovation and shortcomings from three aspects. In the second chapter, the author draws the conclusion that the key to the formation of pricing mechanism of microfinance institutions is to realize the marketization of interest rate, so the theory of financial development and its expansion theory are taken as the theoretical basis of this paper. According to the idea of "posing problem-analyzing problem-solving problem", the article first introduces the present situation of the development of micro-credit in China, the current pricing method, and analyzes the existing problems in the current method in detail. The author thinks that there is no reasonable pricing model guidance in current pricing methods. On this basis, this paper further introduces three kinds of microfinance pricing models, and analyzes the advantages and disadvantages of these methods. Through the analysis, the author thinks that the demand of the more reasonable pricing model and the fact that the existing pricing model is not accurate has formed a contradiction, so it is necessary to rebuild the model. Finally, after analyzing the influencing factors of microfinance interest rate, this paper uses the idea of break-even to choose seven of the factors to model, and get the microfinance pricing model based on sustainable development. The application part of the model verifies that the model has certain maneuverability. Finally, three relevant policy suggestions are put forward to create conditions for the new model to be used in microfinance institutions in China. In this paper, two conclusions are drawn: first, the existing microcredit model is inadequate; second, the new model is more accurate in theory and has some maneuverability. Can improve the ability of microfinance sustainable development.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;F830.42

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