發(fā)布時間：2018-03-28 13:14

  本文選題：微型金融機構(gòu)　切入點：社會目標　出處：《北京工商大學》2014年碩士論文

【摘要】：自20世紀70年代尤努斯建立孟加拉鄉(xiāng)村銀行之后，微型金融業(yè)在全球范圍內(nèi)得到了快速發(fā)展，其服務(wù)宗旨是為缺乏金融資源的貧困人群和邊緣人群提供金融服務(wù)，這就是微型金融機構(gòu)的社會目標。然而，早期的微型金融機構(gòu)由于依賴政府補貼與捐贈，，不注重機構(gòu)自身的財務(wù)可持續(xù)性，導(dǎo)致許多微型金融項目產(chǎn)生大量壞賬，難以持續(xù)運營，由此微型金融機構(gòu)開始重視財務(wù)績效。而微型金融機構(gòu)在追求財務(wù)可持續(xù)性的過程中又出現(xiàn)了目標偏離的問題。 我國微型金融業(yè)起步較晚，但發(fā)展較快，在幫助貧困農(nóng)戶發(fā)展生產(chǎn)以脫貧、緩解農(nóng)村金融資源供求緊張狀況和農(nóng)村金融體制改革等方面都發(fā)揮了重要的作用，而它們也同樣面臨著財務(wù)可持續(xù)性不高和目標偏離等問題。 隨著微型金融業(yè)的迅速發(fā)展，國內(nèi)外微型金融機構(gòu)都逐步走上了商業(yè)化之路，這使得微型金融機構(gòu)要同時兼顧社會目標與財務(wù)目標面臨巨大的挑戰(zhàn)。兩大目標間的關(guān)系因此成為理論界和實務(wù)界關(guān)心的重要問題，這正是本文要研究的問題。首先，本文通過建立理論模型，對雙重目標的互動關(guān)系進行了規(guī)范的理論分析，結(jié)果發(fā)現(xiàn)雙重目標的關(guān)系存在不確定性，在一定條件下可以相互促進；其次，本文選取國內(nèi)外微型金融機構(gòu)作為樣本，建立聯(lián)立方程模型對其進行統(tǒng)計分析和計量分析，檢驗微型金融機構(gòu)雙重目標之間的關(guān)系，證實雙重目標存在相互協(xié)調(diào)的可能。最后，本文對我國微型金融機構(gòu)在雙重目標約束下的可持續(xù)發(fā)展提出了相應(yīng)的政策建議。
[Abstract]:Since the establishment of Grameen Bank in Bangladesh by Yunus in the 1970s, microfinance has grown rapidly globally to provide financial services to poor and marginalized people who lack financial resources. This is the social goal of MFIs. However, early microfinance institutions, relying on government subsidies and donations, did not focus on the financial sustainability of the institutions themselves, resulting in a large amount of bad debts in many microfinance projects. Because of the difficulty of sustainable operation, microfinance institutions begin to attach importance to financial performance. However, in the process of pursuing financial sustainability, there is a problem of misdirection of objectives in the process of pursuing financial sustainability. China's micro-finance started late, but developed rapidly. It has played an important role in helping poor farmers develop production to get rid of poverty, ease the shortage of rural financial resources supply and demand, and reform the rural financial system. And they are also faced with financial sustainability and target deviation and other problems. With the rapid development of micro-finance, domestic and foreign micro-financial institutions have gradually embarked on the road of commercialization. Therefore, the relationship between the two goals has become an important concern of the theoretical and practical circles. This is precisely the problem to be studied in this paper. By establishing a theoretical model, this paper makes a normative theoretical analysis of the interaction of dual objectives. The results show that there is uncertainty in the relationship of dual objectives, which can promote each other under certain conditions. This paper selects the domestic and foreign microfinancial institutions as the sample, establishes the simultaneous equation model to carry on the statistical analysis and the econometric analysis to it, examines the relationship between the two objectives of the micro-financial institutions, and proves the possibility of the coordination of the double targets. This paper puts forward the corresponding policy recommendations for the sustainable development of China's microfinancial institutions under the constraint of dual objectives.
【學位授予單位】：北京工商大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.3;F830.42

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本文編號：1676474