我国小额信贷机构社会绩效与财务绩效的协调发展研究

发布时间：2018-05-13 19:31

本文选题：小额信贷机构 + 社会绩效　；参考：《湖南农业大学》2014年硕士论文

【摘要】：小额信贷机构从20世纪70年代开始不断发展,并经历了从福利主义向制度主义制度的过渡阶段。这两种制度均是服务于中低收入者,对社会产生一定的社会效益。以制度主义商业化为发展的趋势越来越明显,小额信贷机构建立的初衷却改变。小额信贷机构真正的可持续发展需要实现社会目标和追求财务可持续性这双重目标。目前扶贫和可持续发展难以协调发展。我国学者们对小额信贷社会绩效研究总体上很少,寻求小额信贷机构社会绩效与财务绩效协调发展路径是亟需解决的问题。当前的两种机构模式社会绩效与财务绩效的基本情况如何?二者之间有何矛盾?其社会绩效的总体评价如何?影响二者协调发展的制约性因素有哪些?该如何治理?这对寻求发展路径,促进小额信贷机构实现双重目标有重大意义。本文通过介绍国内外小额信贷机构社会绩效的研究给予国内学者一些启示,并对国内两种类型小额信贷机构的社会绩效和财务绩效进行总结。在此基础上,分析二者之间的矛盾以及协调发展的可能性。本文采用层析分析法对我国两家小额信贷机构的社会绩效进行综合评价,分析总结社会绩效与财务绩效的协调发展情况,实践表明小额信贷机构协调发展有待改善。在对其制约因素进行分析后,论文最后提出了政策建议,认为要实现二者的协调发展.应该充分发挥政府作用,加强政府部门扶持力度；推行利率市场化；扩大融资渠道；实施信贷技术创新；创新开发以客户为中心、以市场为导向；同时构建社会绩效管理系统。
[Abstract]:Microfinance institutions began to develop in the 1970s and underwent a transitional period from welfarism to institutionalism. These two systems serve low-and-middle-income people and produce certain social benefits. The trend of commercialization of institutionalism is becoming more and more obvious, but the original intention of setting up microfinance institutions has changed. The true sustainable development of microfinance institutions requires the achievement of social goals and the pursuit of financial sustainability. At present, poverty alleviation and sustainable development are difficult to coordinate development. There are few researches on the social performance of micro-credit in China, so it is urgent to find a way to coordinate the development of social performance and financial performance of micro-credit institutions. What is the basic situation of social performance and financial performance in the current two institutional models? What is the contradiction between the two? What is the overall evaluation of its social performance? What are the restrictive factors that affect the coordinated development of the two? How to govern? It is of great significance to seek the development path and promote the micro-credit institutions to achieve their dual goals. This paper introduces the social performance of microfinance institutions at home and abroad to some domestic scholars, and summarizes the social performance and financial performance of two types of microfinance institutions in China. On this basis, the contradiction between the two and the possibility of coordinated development are analyzed. In this paper, the social performance of two microfinance institutions in China is comprehensively evaluated by means of chromatographic analysis, and the coordinated development of social performance and financial performance is analyzed and summarized. The practice shows that the coordinated development of microfinance institutions needs to be improved. After analyzing the restrictive factors, the paper puts forward some policy suggestions and suggests that they should develop harmoniously. We should give full play to the role of government, strengthen government support; promote market-oriented interest rate; expand financing channels; implement credit technology innovation; innovative development is customer-oriented and market-oriented; at the same time, build a social performance management system.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F830.42

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