商业银行社会网络与微型金融可持续发展

发布时间：2018-11-15 11:27

【摘要】：如何在普惠金融模式下实现微型金融的社会绩效与可持续性一直是社会科学亟待解决的难题之一。本文首次运用社会网络分析,从结构属性、网络类型以及关系性质三个层面共九个维度构建社会网络指标体系,然后通过银行网点的问卷调查,获取316份有效问卷数据,在此基础上考察社会网络对商业银行微型金融社会绩效与可持续性的影响,发现网络类型和关系性质有助于改善微型金融的社会绩效,其中情感性网络和支持性网络可显著增加小额信贷笔数,商业性网络可降低人均贷款额并提高小额信贷利息收入,关系性质有助于增加人均贷款额,但结构属性没有显著影响。结果表明,金融机构应积极拓展社会网络资源并与利益相关者构建互信互惠的长期合作关系,才能不断促进微型金融业务的创新、推动普惠金融体系的可持续发展并优化社会资源的配置效率。
[Abstract]:How to realize the social performance and sustainability of microfinance under the inclusive finance model has always been one of the difficult problems to be solved in social science. This paper uses social network analysis for the first time, constructs social network index system from three dimensions of structure attribute, network type and relationship property, and then obtains 316 valid questionnaire data through the questionnaire survey of bank network. On this basis, the influence of social network on the social performance and sustainability of microfinance in commercial banks is investigated, and it is found that the type of network and the nature of relationship can help to improve the social performance of micro-finance. Among them, affective network and support network can significantly increase the number of microcredit, commercial networks can reduce the amount of per capita loans and increase the interest income of microcredit. The relationship nature helps to increase the amount of loans per capita, but the structural properties have no significant effect. The results show that financial institutions should actively expand social network resources and build long-term cooperative relationships of mutual trust and mutual benefit with stakeholders in order to continuously promote the innovation of micro-finance business. Promote the sustainable development of inclusive financial system and optimize the allocation efficiency of social resources.
【作者单位】：暨南大学经济学院金融系;暨南大学金融研究所;
【基金】：感谢国家自然科学基金(71673110) 教育部人文社科基金(16YJA790044)的研究资助
【分类号】：F832.4

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