广西小额贷款公司社会绩效与财务绩效关系研究
发布时间：2018-07-15 16:09
【摘要】：我国自2005年我国小额贷款公司试点工作以来,小额信贷行业迅速发展,它依靠新型的商业化信贷运作模式,为我国的扶贫支农工作找到了一条可行的道路。但目前我国小额贷款公司发展同时遭遇内外困局：一方面外部环境存在政策指引不到位、市场机制不健全、机构定位不明确等制约因素；另一方面内部也存在着过度追逐高利率、目标偏离、管理混乱等诸多企业运作经营难题,皆不利于我国小额贷款公司的生存和持续发展。在这种情况下,如何有效防止小额贷款公司“目标偏移”,积极引导其实现支农支小的社会目标逐渐成为了小额信贷研究领域的热点问题。 本文建立小额贷款公司社会责任承担的动态三方博弈模型,对博弈均衡解分析研究博弈三方的策略和小额贷款公司社会责任承担的影响因素；以广西小额贷款公司行业数据为样本,分别建立小额贷款公司社会绩效指标评价体系与财务绩效指标评价体系,以典型相关分析方法为基础,通过SPSS19.0统计软件为工具,研究小额贷款公司的社会绩效体系与财务绩效体系及各绩效指标之间的关系。通过博弈模型和典型相关实证分析研究得出结论：广西区小额贷款公司的社会绩效与财务绩效正相关；小额贷款公司与银行间可通过行业间金融协同效应实现共赢；政府更倾向于减轻行政干预,以市场自由竞争促使小额贷款公司履行社会责任；小额贷款公司扶贫支农的功能尚未充分显现。根据实证结果,本文提出进一步促进小额贷款公司实现“支农支小”与可持续发展双绩效目标的政策建议：政府部门积极推动监管机制创新,构建完善小额贷款公司社会责任绩效信息披露体系；小额贷款公司培养履行责任意识,强化与主流金融机构合作机制；充分发挥小额贷款行业协会的宣传引导作用等建议。
[Abstract]:Since the pilot work of China's microfinance companies in 2005, the microfinance industry has developed rapidly. It relies on a new type of commercial credit operation mode, which has found a feasible way for our country to help the poor and support agriculture. However, at present, the development of micro-credit companies in China is confronted with internal and external difficulties: on the one hand, the external environment is not in place, the market mechanism is not perfect, the institutional positioning is not clear and so on; On the other hand, there are many problems in the operation of enterprises, such as excessive pursuit of high interest rate, deviation of target, confusion of management and so on, which are not conducive to the survival and sustainable development of microfinance companies in China. In this case, how to effectively prevent the "target deviation" of microfinance companies and actively guide them to realize the small social goals of supporting agriculture has gradually become a hot issue in the field of microfinance research. This paper establishes a dynamic tripartite game model for the social responsibility of microfinance companies, analyzes the game equilibrium solutions and studies the strategies of the game and the factors affecting the social responsibility of microfinance companies. Taking the industry data of Guangxi microfinance company as a sample, this paper establishes the evaluation system of social performance index and financial performance index of small loan company respectively. Based on the canonical correlation analysis method, the paper uses SPSS 19.0 statistical software as a tool. This paper studies the relationship between social performance system, financial performance system and performance indicators of microfinance companies. The conclusions are as follows: the social performance and financial performance of Guang Xi Microloan Company are positively correlated with each other, and the financial synergy between microfinance companies and banks can be achieved through inter-industry financial synergy. The government is more inclined to reduce administrative intervention and promote microfinance companies to fulfill their social responsibilities by free market competition, and the function of helping the poor and supporting agriculture by microfinance companies has not been fully demonstrated. According to the empirical results, this paper puts forward some policy recommendations to further promote the micro-loan companies to achieve the goals of "supporting agriculture and supporting small" and sustainable development: the government actively promotes the innovation of regulatory mechanism. Some suggestions such as perfecting the disclosure system of social responsibility performance information of microfinance companies, cultivating the sense of responsibility, strengthening the cooperation mechanism with mainstream financial institutions, giving full play to the propaganda and guidance role of microfinance industry associations, etc.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F830.42
本文编号：2124636
[Abstract]:Since the pilot work of China's microfinance companies in 2005, the microfinance industry has developed rapidly. It relies on a new type of commercial credit operation mode, which has found a feasible way for our country to help the poor and support agriculture. However, at present, the development of micro-credit companies in China is confronted with internal and external difficulties: on the one hand, the external environment is not in place, the market mechanism is not perfect, the institutional positioning is not clear and so on; On the other hand, there are many problems in the operation of enterprises, such as excessive pursuit of high interest rate, deviation of target, confusion of management and so on, which are not conducive to the survival and sustainable development of microfinance companies in China. In this case, how to effectively prevent the "target deviation" of microfinance companies and actively guide them to realize the small social goals of supporting agriculture has gradually become a hot issue in the field of microfinance research. This paper establishes a dynamic tripartite game model for the social responsibility of microfinance companies, analyzes the game equilibrium solutions and studies the strategies of the game and the factors affecting the social responsibility of microfinance companies. Taking the industry data of Guangxi microfinance company as a sample, this paper establishes the evaluation system of social performance index and financial performance index of small loan company respectively. Based on the canonical correlation analysis method, the paper uses SPSS 19.0 statistical software as a tool. This paper studies the relationship between social performance system, financial performance system and performance indicators of microfinance companies. The conclusions are as follows: the social performance and financial performance of Guang Xi Microloan Company are positively correlated with each other, and the financial synergy between microfinance companies and banks can be achieved through inter-industry financial synergy. The government is more inclined to reduce administrative intervention and promote microfinance companies to fulfill their social responsibilities by free market competition, and the function of helping the poor and supporting agriculture by microfinance companies has not been fully demonstrated. According to the empirical results, this paper puts forward some policy recommendations to further promote the micro-loan companies to achieve the goals of "supporting agriculture and supporting small" and sustainable development: the government actively promotes the innovation of regulatory mechanism. Some suggestions such as perfecting the disclosure system of social responsibility performance information of microfinance companies, cultivating the sense of responsibility, strengthening the cooperation mechanism with mainstream financial institutions, giving full play to the propaganda and guidance role of microfinance industry associations, etc.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F830.42
【参考文献】
相关期刊论文 前10条
1 何光辉;杨咸月;;印度小额信贷危机的深层原因及教训[J];经济科学;2011年04期
2 茅于轼;;怎样确定最优的转贷比例——谈小额贷款公司的前途[J];农村金融研究;2010年09期
3 周孟亮;;我国小额信贷社会绩效评价指标设计研究[J];农村金融研究;2011年02期
4 李明贤;周孟亮;;我国小额信贷公司的扩张与目标偏移研究[J];农业经济问题;2010年12期
5 盛煜;;中国微型金融机构财务目标和社会目标冲突分析[J];征信;2012年03期
6 张川;娄祝坤;高新梓;;国有企业社会责任与财务绩效的实证研究[J];会计之友;2012年31期
7 陈玉娟;孙利荣;吴伟中;;小额贷款公司市场定位与持续发展研究[J];特区经济;2009年12期
8 黄晓梅;;小额贷款公司信用风险的控制与防范[J];企业经济;2012年11期
9 杨福明;章俏慧;;基于民间资本投资的小额贷款公司制度改革研究:温州案例[J];上海金融;2013年12期
10 贺远琼;田志龙;陈昀;;企业社会绩效与经济绩效的互动关系研究[J];软科学;2007年01期
，本文编号：2124636
本文链接：https://www.wllwen.com/jingjilunwen/guojijinrong/2124636.html
