金融发展、支农目标与微型金融机构的成本效率——以江苏省小额贷款公司为例

发布时间：2018-05-01 07:22

本文选题：微型金融机构 + 小额贷款公司　；参考：《财贸经济》2012年08期

【摘要】：成本效率的提升是微型金融机构可持续发展的关键环节。本文采用56家江苏省小额贷款公司调查数据,分析了金融发展、支农目标以及融资结构对微型金融机构成本效率的影响。结果表明:(1)处于起步阶段的小额贷款公司和金融机构之间的竞争所带来的影响,要大于商业银行人才和技术的正向溢出以及政府监管所带来的影响,总体上金融发展对小额贷款公司成本效率的影响为负;(2)小额贷款公司的支农广度目标和成本效率之间是正向关系,而支农深度目标和成本效率之间是反向的权衡关系;(3)小额贷款公司的融资结构和成本效率之间是正向关系,扩大商业资金来源,有利于提高小额贷款公司的成本效率。
[Abstract]:The promotion of cost efficiency is the key to the sustainable development of microfinance institutions. Based on the survey data of 56 microfinance companies in Jiangsu Province, this paper analyzes the impact of financial development, agricultural support objectives and financing structure on the cost efficiency of microfinance institutions. The results show that the impact of competition between microfinance companies and financial institutions in their infancy is greater than the positive spillover of talent and technology from commercial banks and the impact of government regulation. Overall, the impact of financial development on the cost efficiency of microfinance companies is negative. (2) there is a positive relationship between the objectives of supporting agriculture and the cost efficiency of microfinance companies. However, there is a negative trade-off relationship between the objectives of supporting agriculture depth and cost efficiency. 3) the financing structure and cost efficiency of microfinance companies are positively related. Expanding the sources of commercial funds will help to improve the cost efficiency of microfinance companies.
【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研究重大项目与重点项目“江苏微型金融机构发展战略及安全问题研究”(2010ZDIXM034) 江苏省“六大人才高峰”项目“江苏新型农村金融机构发展与风险管理研究”(061) 国家社会科学基金重大项目(11&ZD010) 江苏高校优势学科建设工程资助项目(审计科学与技术)的资助
【分类号】：F832.4;F224

【相似文献】