广西小额贷款公司成长影响因素研究
发布时间：2019-06-20 14:47
【摘要】：小额贷款公司作为一种新型的经济组织,主要旨在改善城乡金融服务,是领域内的新生力量。小额贷款公司有着较为快捷的贷款审批、灵活的经营机制,手续上更是较其他金融机构简易的多,对民间剩余资本的收集有着重要影响,能够提高民间资本的本身效率,激活民间资本市场,面向农村金融发展,为城乡金融注入了新鲜血液,完善了金融体系功能。小额贷款公司的相关问题渐渐引起学者的重点关注。但是,如今小额贷款公司经历过发展前期,竞争加剧,发展良莠不齐,存在资金周转以及融资能力机构间差距大、成本以及风险控制水平不一、盈利能力差异扩大等问题,以至于有的小额贷款公司发展越来越好,而有的小额贷款公司却不幸“死亡”。如何提高小额贷款公司效益,推动其健康成长,成了关键问题,因此研究其成长过程中的影响因素很有必要。本文结合小额贷款公司的发展理论与实际,从企业成长理论和金融体系功能观出发,试图在研究影响企业成长的共性因素基础上,结合广西小额贷款公司成长个性,对影响广西小额贷款公司成长的因素进行提取,主要从小额贷款公司内部能力角度分析目前广西小额公司的基础资源、业务运作、市场服务三大层面下的影响因素,并考虑外部环境层面因素。根据研究需要获取近年广西小额贷款公司运营的相关数据,运用理论与实证分析、定量与定性分析相结合的方式,建立面板数据模型对广西小额贷款公司成长影响因素进行深入分析,得到以下结论：外部融资比率与广西小额贷款公司成长呈负相关关系,目前的外部融资方式并不能提高资金保障能力从而促进广西小额贷款公司成长；规模经济存在于广西小额贷款公司成长中,资产规模与其成长正相关；资产利用率的提高对广西小额贷款公司成长有着显著正向推动作用；经营成本率、贷款规模与广西小额贷款公司成长负相关；广西地区GDP与广西小额贷款公司成长显著正相关,增强地区经济实力有利于广西小额贷款公司的成长。
[Abstract]:As a new type of economic organization, microfinance company is a new force in the field, which is mainly aimed at improving urban and rural financial services. Microfinance companies have a relatively fast loan examination and approval, flexible management mechanism, procedures are much simpler than other financial institutions, the collection of private surplus capital has an important impact, can improve the efficiency of private capital itself, activate the private capital market, face the rural financial development, inject fresh blood into urban and rural finance, improve the function of the financial system. The related problems of microfinance companies have gradually attracted the attention of scholars. However, nowadays, microfinance companies have experienced the early stage of development, the competition intensifies, the development good and bad are intermingled, there are many problems, such as large gap in capital turnover and financing ability, different level of cost and risk control, widening profitability difference and so on, so that some microfinance companies are developing better and better, while some microfinance companies are unfortunately "dead". How to improve the efficiency of microfinance companies and promote their healthy growth has become a key issue, so it is necessary to study the influencing factors in the process of their growth. Based on the development theory and practice of microfinance companies, from the theory of enterprise growth and the functional view of financial system, this paper tries to extract the factors that affect the growth of Guangxi microfinance companies on the basis of studying the common factors that affect the growth of enterprises, combined with the growth personality of Guangxi microfinance companies, and mainly analyzes the basic resources and business operations of Guangxi microfinance companies from the perspective of the internal ability of microfinance companies. Market service under the three levels of influencing factors, and consider the external environment level factors. According to the research need to obtain the relevant data of Guangxi microfinance company operation in recent years, using the combination of theoretical and empirical analysis, quantitative and qualitative analysis, the panel data model is established to analyze the influencing factors of Guangxi microfinance company growth, and the following conclusions are drawn: there is a negative correlation between the external financing ratio and the growth of Guangxi microfinance company. The current external financing methods can not improve the ability of capital security to promote the growth of Guangxi microfinance companies; Economies of scale exist in the growth of Guangxi microfinance companies, and the scale of assets is positively correlated with their growth; the improvement of asset utilization ratio plays a significant positive role in promoting the growth of Guangxi microfinance companies; the operating cost rate, loan scale is negatively correlated with the growth of Guangxi microfinance companies; Guangxi GDP is significantly positively correlated with the growth of Guangxi microfinance companies, and strengthening the regional economic strength is conducive to the growth of Guangxi microfinance companies.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4
本文编号：2503302
[Abstract]:As a new type of economic organization, microfinance company is a new force in the field, which is mainly aimed at improving urban and rural financial services. Microfinance companies have a relatively fast loan examination and approval, flexible management mechanism, procedures are much simpler than other financial institutions, the collection of private surplus capital has an important impact, can improve the efficiency of private capital itself, activate the private capital market, face the rural financial development, inject fresh blood into urban and rural finance, improve the function of the financial system. The related problems of microfinance companies have gradually attracted the attention of scholars. However, nowadays, microfinance companies have experienced the early stage of development, the competition intensifies, the development good and bad are intermingled, there are many problems, such as large gap in capital turnover and financing ability, different level of cost and risk control, widening profitability difference and so on, so that some microfinance companies are developing better and better, while some microfinance companies are unfortunately "dead". How to improve the efficiency of microfinance companies and promote their healthy growth has become a key issue, so it is necessary to study the influencing factors in the process of their growth. Based on the development theory and practice of microfinance companies, from the theory of enterprise growth and the functional view of financial system, this paper tries to extract the factors that affect the growth of Guangxi microfinance companies on the basis of studying the common factors that affect the growth of enterprises, combined with the growth personality of Guangxi microfinance companies, and mainly analyzes the basic resources and business operations of Guangxi microfinance companies from the perspective of the internal ability of microfinance companies. Market service under the three levels of influencing factors, and consider the external environment level factors. According to the research need to obtain the relevant data of Guangxi microfinance company operation in recent years, using the combination of theoretical and empirical analysis, quantitative and qualitative analysis, the panel data model is established to analyze the influencing factors of Guangxi microfinance company growth, and the following conclusions are drawn: there is a negative correlation between the external financing ratio and the growth of Guangxi microfinance company. The current external financing methods can not improve the ability of capital security to promote the growth of Guangxi microfinance companies; Economies of scale exist in the growth of Guangxi microfinance companies, and the scale of assets is positively correlated with their growth; the improvement of asset utilization ratio plays a significant positive role in promoting the growth of Guangxi microfinance companies; the operating cost rate, loan scale is negatively correlated with the growth of Guangxi microfinance companies; Guangxi GDP is significantly positively correlated with the growth of Guangxi microfinance companies, and strengthening the regional economic strength is conducive to the growth of Guangxi microfinance companies.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4
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，本文编号：2503302
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