商业化演进下微型金融机构使命漂移影响因素实证分析

发布时间：2018-05-06 02:08

本文选题：微型金融机构 + 使命漂移　；参考：《西南民族大学学报(人文社科版)》2017年02期

【摘要】：部分微型金融机构(MFIs)发生使命漂移引发了对商业化演进下MFIs发生普遍使命漂移的强烈担忧。本文通过百分位法对MFIs是否发生使命漂移进行明确界定,并利用94个国家1654家MFIs2006-2014年间的7113个样本数据对使命漂移影响因素展开实证分析。探索性检验发现:商业化演进下,未发生使命漂移的MFIs具有单位客户成本更低、每员工服务贷款客户数量更多、实际收益率更高等主要特征。Logit回归结果表明:提高经营自足率将增加使命漂移发生概率,降低单位客户成本、增加每员工服务贷款客户数量、适当提高利率将降低使命漂移发生概率。以上结果表明,改善成本和效率可以抑制商业化演进下MFIs发生使命漂移的概率。
[Abstract]:The mission drift of some MFIs has raised strong concerns about the widespread mission drift of MFIs in the evolution of commercialization. This paper makes a clear definition of whether mission drift occurs in MFIs by percentile method, and makes an empirical analysis on the influencing factors of mission drift by using 7113 sample data from 1654 MFIs2006-2014 years in 94 countries. The exploratory test found that under the evolution of commercialization, the MFIs without mission drift has lower cost per customer and more customers per employee service loan. The results of logit regression show that increasing operational self-sufficiency will increase the probability of mission drift, reduce the cost of unit customers, and increase the number of loan customers per employee. A proper increase in interest rates will reduce the probability of mission drift. The above results show that improving cost and efficiency can restrain the probability of mission drift of MFIs in commercial evolution.
【作者单位】：中南民族大学中科院国家民委农业信息技术研究与开发联合实验室;
【基金】：国家社会科学项目“贫困民族地区农村微型金融与社会资本良性互动的机制创新研究”(14BMZ074) 中央高校基本科研业务费专项资金项目(CSZ14002)阶段性成果
【分类号】：F831.2

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