我国商业性小额贷款公司的绩效评价研究

发布时间：2018-05-07 20:58

本文选题：小额信贷 + 商业性　；参考：《天津财经大学》2014年硕士论文

【摘要】：我国经济自改革开放以来发展迅速,这也对我国金融业的发展改革起到了极大的推动作用。其中中微小企业作为一支不可忽视的力量对我国的经济产生着越来越大的助力,我国的经济发展也是越来越离不开中微小企业。然而我国的传统正规金融机构却是把主要的资金投资于国有企业和已经趋于稳定成熟的大型企业,往往就忽视了中微小企业同样的融资需要,这就直接导致了我国的大部分地区都存在着不同程度的中微小企业融资困难的现象。在近几年支持中微小企业的发展、增加农民的收入、完成农业产业的现代化,这些都已经成为了我国现今经济发展重要的议题和战略性目标,这也是近几年来我国快速发展小额信贷的根本所在。因此对发展小额信贷这一金融创新服务表现出迫切的需要,这就是我国近几年来快速发展小额信贷的根本所在。但由于它特殊的使命与目的,传统用来进行商业银行绩效评价的方法显然不适用于小额信贷这一特殊机构,可是迄今为止我国还没有用来评价小额信贷机构运营绩效的指标体系,于是当下急需建立标准通用而且用于对小额信贷机构绩效进行评价的一套指标体系。本文把商业性小额贷款公司作为研究对象,结合其运作模式和当前经济大背景,全面简要地选择出了衡量我国小额贷款公司运营绩效的指标,建立起了一套指标体系,以全面衡量我国小额贷款公司的运营状况。其次,文章选取石家庄市某小额贷款公司作为案例,对所建立的指标体系进行了验证分析。本文的研究不仅对我国的商业性小额贷款公司意义重大,对我国中微小企业的未来发展以及建设我国的普惠金融体系也有较为重要的现实意义。
[Abstract]:China's economy has developed rapidly since the reform and opening up, which has played a great role in promoting the development and reform of China's financial industry. As a force that can not be ignored, medium and small enterprises are more and more helpful to the economy of our country, and the economic development of our country is more and more inseparable from the small and medium-sized enterprises. However, the traditional formal financial institutions in our country have invested the main funds in state-owned enterprises and large enterprises that have become stable and mature, often ignoring the same financing needs of medium and small enterprises. This directly leads to the financing difficulties of medium and small enterprises in most areas of China. In recent years, supporting the development of small and medium-sized enterprises, increasing the income of farmers, and accomplishing the modernization of the agricultural industry have all become important topics and strategic goals for the economic development of our country today. This is also the basis of the rapid development of microfinance in China in recent years. Therefore, there is an urgent need for the development of microfinance as a financial innovation service, which is the root of the rapid development of microfinance in China in recent years. However, because of its special mission and purpose, the traditional methods used to evaluate the performance of commercial banks obviously do not apply to the special institution of micro-credit. So far, there is no indicator system to evaluate the performance of microfinance institutions in China, so there is an urgent need to establish a set of indicators to evaluate the performance of microfinance institutions. In this paper, commercial microfinance companies as the research object, combined with its operating mode and the current economic background, a comprehensive and brief selection of indicators to measure the operational performance of microfinance companies in China, a set of indicators system has been established. In order to comprehensively measure the operation of small loan companies in China. Secondly, the article selects a small loan company in Shijiazhuang as a case to verify the established index system. The research in this paper is of great significance not only to the commercial microfinance companies in China, but also to the future development of small and medium-sized enterprises in China and the construction of inclusive financial system in China.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

【相似文献】