中国农村小额信贷绩效研究
发布时间：2019-05-01 06:38
【摘要】：当前我国农村小额信贷发展过程中的绩效问题比较突出，，本文从社会绩效和财务绩效两个角度出发，对我国农村小额信贷绩效问题进行综合研究。在文章开始部分首先介绍了有关小额信贷绩效评价的理论基础，主要有坚持“福利主义”的社会绩效评价理论和坚持“制度主义”的财务绩效评价理论。本文研究的重点放在两个方面：第一，对小额信贷扶贫增收效应的社会绩效分析，研究发现，小额信贷一方面能够缓解农村贫困农户贷款难的问题，是我国扶贫的有力工具；另一方面能够改善农户的收入状况。通过实证研究得出，农户获得小额信贷后的投向不同，对农户收入改善的效果也有所不同，其中，农业投向中的养殖业和经济林种植业的绩效表现突出，而相对于其他农业投向来说，将小额信贷投向非农业能够获得更好的效果。第二，对小额信贷机构的财务绩效分析的研究发现，小额信贷机构的规模、成本和收益等因素对信贷机构的可持续发展具有重要影响。实证研究得出，信贷机构发展小额信贷业务，不仅增加了其营利能力，且并未给信贷机构带来额外的信用风险。鉴于农村小额信贷的发展对农户和机构均产生了积极的效应，文章最后部分对提高小额信贷绩效提出了相关建议，我国农村发展小额信贷要在坚持社会绩效的基础上逐渐重视信贷机构得以可持续发展的财务指标，努力实现双赢的绩效目标，并促进其发展为微型金融、普惠金融，以实现小额信贷在我国农村长远可持续性地发展。
[Abstract]:At present, the performance problem in the development of rural micro-credit in China is quite prominent. This paper makes a comprehensive study on the performance of rural micro-credit in China from the perspectives of social performance and financial performance. At the beginning of the article, the author first introduces the theoretical basis of microcredit performance evaluation, including the social performance evaluation theory of "welfare doctrine" and the financial performance evaluation theory of "institutionalism". This paper focuses on two aspects: first, the social performance analysis of the effect of microcredit on poverty alleviation and income increase, the research finds that on the one hand, microcredit can alleviate the problem of rural poor farmers' loans, which is a powerful tool for poverty alleviation in China; On the other hand, it can improve the income of farmers. Through the empirical study, it can be concluded that the investment of farmers after obtaining micro-credit is different, and the effect of improving farmers' income is also different. Among them, the performance of farming and economic forest planting in agricultural investment is outstanding. Compared with other agricultural investments, microcredit investment in non-agricultural can achieve better results. Second, the financial performance analysis of microfinance institutions found that the size, costs and benefits of microfinance institutions have an important impact on the sustainable development of credit institutions. Empirical study shows that the development of microcredit institutions not only increases their profit-making ability, but also does not bring additional credit risk to credit institutions. In view of the positive effects of the development of rural micro-credit on farmers and institutions, the last part of the article puts forward some suggestions to improve the performance of micro-credit. On the basis of adhering to social performance, microcredit for rural development in China should gradually attach importance to the financial indicators of sustainable development of credit institutions, strive to achieve win-win performance goals, and promote its development into micro-finance and inclusive finance. In order to realize the long-term sustainable development of microcredit in rural areas of our country.
【学位授予单位】：广东商学院
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4
本文编号：2469080
[Abstract]:At present, the performance problem in the development of rural micro-credit in China is quite prominent. This paper makes a comprehensive study on the performance of rural micro-credit in China from the perspectives of social performance and financial performance. At the beginning of the article, the author first introduces the theoretical basis of microcredit performance evaluation, including the social performance evaluation theory of "welfare doctrine" and the financial performance evaluation theory of "institutionalism". This paper focuses on two aspects: first, the social performance analysis of the effect of microcredit on poverty alleviation and income increase, the research finds that on the one hand, microcredit can alleviate the problem of rural poor farmers' loans, which is a powerful tool for poverty alleviation in China; On the other hand, it can improve the income of farmers. Through the empirical study, it can be concluded that the investment of farmers after obtaining micro-credit is different, and the effect of improving farmers' income is also different. Among them, the performance of farming and economic forest planting in agricultural investment is outstanding. Compared with other agricultural investments, microcredit investment in non-agricultural can achieve better results. Second, the financial performance analysis of microfinance institutions found that the size, costs and benefits of microfinance institutions have an important impact on the sustainable development of credit institutions. Empirical study shows that the development of microcredit institutions not only increases their profit-making ability, but also does not bring additional credit risk to credit institutions. In view of the positive effects of the development of rural micro-credit on farmers and institutions, the last part of the article puts forward some suggestions to improve the performance of micro-credit. On the basis of adhering to social performance, microcredit for rural development in China should gradually attach importance to the financial indicators of sustainable development of credit institutions, strive to achieve win-win performance goals, and promote its development into micro-finance and inclusive finance. In order to realize the long-term sustainable development of microcredit in rural areas of our country.
【学位授予单位】：广东商学院
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4
【参考文献】
相关期刊论文 前7条
1 谭福梅;;系统性银行危机早期预警系统有效吗?——基于Logit模型的实证分析(1980-2007)[J];当代财经;2009年12期
2 管七海,冯宗宪;我国商业银行非系统金融风险的度量及预警实证研究[J];经济科学;2001年01期
3 林平,赵永伟;农村信用社信用危机预警体系研究[J];金融研究;2001年06期
4 张世春;杨芝;;小额信贷双重绩效目标的评价与反思[J];金融与经济;2011年12期
5 茅于轼;;兴办小额贷款的几点经验[J];农村金融研究;2006年02期
6 姜美善;;小额信贷机构所有权形式、管理与绩效分析——文献综述与引申[J];金融理论与实践;2010年04期
7 张世春;;小额信贷目标偏离解构:粤赣两省证据[J];改革;2010年09期
本文编号：2469080
本文链接：https://www.wllwen.com/guanlilunwen/huobilw/2469080.html
