双目标制下农村微型金融机构财务可持续的影响因素分析

发布时间：2018-01-04 05:13

本文关键词：双目标制下农村微型金融机构财务可持续的影响因素分析　出处：《四川大学学报(哲学社会科学版)》2017年03期 　论文类型：期刊论文

【摘要】：从理论上分析农村微型金融机构可持续发展双重目标均衡的可能性,并实证检验我国农村微型金融机构的财务可持续与支农覆盖面目标是否背离,结果发现:没有显著证据表明我国农村微型金融机构的财务可持续和支农覆盖面之间是矛盾的;影响农村微型金融机构财务可持续的因素主要包括贷款收益率、资金成本、人力成本以及机构所在国家GDP增长率等。因此,农村微型金融机构应该始终坚持"支农支小"的目标定位。同时,可以通过完善经验管理制度、信贷审批制度等公司治理体系,拓展资金来源渠道,积极与地方政府合作等方式实现财务可持续。
[Abstract]:Analysis of the possibility of rural micro financial institutions the dual goal of sustainable development from the equilibrium theory, and empirical test of rural micro financial institutions of our country and financial sustainable agriculture coverage target deviation, results showed that: there was no significant evidence that rural micro financial institutions of our country and financial sustainable agriculture coverage are contradictory; influence factors of rural micro finance the financial institutions sustainable including loan yields, capital costs, labor costs and the mechanism of country GDP growth rate. Therefore, the rural micro financial institutions should always adhere to the "target of agriculture support small. At the same time, can improve the management system, credit approval system of the corporate governance system, to expand funding sources actively cooperate with local government and other ways to achieve financial sustainability.

【作者单位】：四川大学经济学院;广州农村商业银行;遂宁市商业银行;
【基金】：国家社会科学基金“农村新型金融组织创新研究”(11BJY083)
【分类号】：F830.42;F832.35
【正文快照】： 一、引言农村微型金融机构是指提供农村微型金融服务的机构,即专门为农村地区贫困低收入人口和长期被正规金融排斥的农户及小微企业提供小额信贷、存取款、汇款和小额保险等金融服务的机构。长期以来,我国农村微型金融是以小额信贷的形式存在的,直到引进联合国在“2005国际

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