微型金融机构可持续发展的影响因素研究

发布时间：2018-06-21 22:56

本文选题：微型金融 + 可持续发展　；参考：《华南理工大学》2014年硕士论文

【摘要】：微型金融是指专门针对贫困、低收入的人口和微型企业而建立的金融服务体系，具体包括小额信贷、储蓄、汇款和小额保险等。微型金融机构（MFIs）以为穷人提供金融服务为中心，致力于提升他们的收入和生活条件，最终脱贫。2010年印度安德拉邦的小额信贷危机引起了世界范围内小额信贷实务部门和学术界的关注，越来越多的学者开始关注并研究微型金融机构的可持续发展。本文围绕微型金融机构可持续发展的问题，阐述了微型金融机构可持续发展的内涵、衡量指标和影响微型金融机构可持续发展的微观和宏观因素。并以国际上发展成熟的219家微型金融机构为研究对象，选取经营可持续率作为因变量衡量微型金融机构的可持续发展能力，建立面板数据分析模型，，分析机构本身的微观变量和所处经济环境的宏观指标对微型金融机构可持续发展能力的影响。本文得出微型金融机构的贷款总额占总资产的比重、实际收益率、所处国家的FDI占GDP比重、 GDP增长率和农村人口占总人口的比重这五个变量与微型金融机构可持续发展呈显著的正相关关系；而总费用占总资产的比率、逾期30天以上的风险资产比率和征信信息深度指数这三个变量与微型金融机构可持续发展呈显著的反相关关系。最后根据实证结果，从微观和宏观两个层面提出了有利于微型金融机构可持续发展的建议。
[Abstract]:Microfinance refers to the financial services set up specifically for poor, low income and micro enterprises, including microfinance, savings, remittances and small insurance. The micro financial institution (MFIs) centers on the financial services of the poor, aims to improve the income and living conditions of the poor, and eventually takes off poverty in India,.2010. The microcredit crisis in de la state has aroused the attention of the micro credit practice departments and academia worldwide, and more and more scholars have begun to pay attention to and study the sustainable development of micro financial institutions.
This paper, focusing on the sustainable development of micro financial institutions, expounds the connotation of the sustainable development of the micro financial institutions, the measurement indicators and the micro and macro factors affecting the sustainable development of the micro financial institutions, and takes the 219 micro financial institutions developed internationally as the research object and selects the operating sustainability as a dependent variable. To measure the sustainable development ability of micro financial institutions, establish a panel data analysis model, analyze the impact of microfinancial institutions' micro variables and macroeconomic indicators on the sustainable development of micro financial institutions. This paper draws a conclusion that the total loans of the micro financial institutions account for the proportion of the total assets, the actual rate of return and the FDI of the country. The five variables, which account for the proportion of GDP, the rate of GDP growth and the proportion of rural population to the total population, have a significant positive correlation with the sustainable development of micro financial institutions, while the ratio of total cost to total assets, the ratio of risk assets over 30 days overdue and the depth index of credit information are shown to be significant with the sustainable development of micro financial institutions. Finally, according to the empirical results, we put forward suggestions for sustainable development of microfinance institutions from two aspects, micro and macro level.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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