【摘要】：我國自2005年我國小額貸款公司試點(diǎn)工作以來,小額信貸行業(yè)迅速發(fā)展,它依靠新型的商業(yè)化信貸運(yùn)作模式,為我國的扶貧支農(nóng)工作找到了一條可行的道路。但目前我國小額貸款公司發(fā)展同時(shí)遭遇內(nèi)外困局：一方面外部環(huán)境存在政策指引不到位、市場(chǎng)機(jī)制不健全、機(jī)構(gòu)定位不明確等制約因素；另一方面內(nèi)部也存在著過度追逐高利率、目標(biāo)偏離、管理混亂等諸多企業(yè)運(yùn)作經(jīng)營難題,皆不利于我國小額貸款公司的生存和持續(xù)發(fā)展。在這種情況下,如何有效防止小額貸款公司“目標(biāo)偏移”,積極引導(dǎo)其實(shí)現(xiàn)支農(nóng)支小的社會(huì)目標(biāo)逐漸成為了小額信貸研究領(lǐng)域的熱點(diǎn)問題。 本文建立小額貸款公司社會(huì)責(zé)任承擔(dān)的動(dòng)態(tài)三方博弈模型,對(duì)博弈均衡解分析研究博弈三方的策略和小額貸款公司社會(huì)責(zé)任承擔(dān)的影響因素；以廣西小額貸款公司行業(yè)數(shù)據(jù)為樣本,分別建立小額貸款公司社會(huì)績效指標(biāo)評(píng)價(jià)體系與財(cái)務(wù)績效指標(biāo)評(píng)價(jià)體系,以典型相關(guān)分析方法為基礎(chǔ),通過SPSS19.0統(tǒng)計(jì)軟件為工具,研究小額貸款公司的社會(huì)績效體系與財(cái)務(wù)績效體系及各績效指標(biāo)之間的關(guān)系。通過博弈模型和典型相關(guān)實(shí)證分析研究得出結(jié)論：廣西區(qū)小額貸款公司的社會(huì)績效與財(cái)務(wù)績效正相關(guān)；小額貸款公司與銀行間可通過行業(yè)間金融協(xié)同效應(yīng)實(shí)現(xiàn)共贏；政府更傾向于減輕行政干預(yù),以市場(chǎng)自由競爭促使小額貸款公司履行社會(huì)責(zé)任；小額貸款公司扶貧支農(nóng)的功能尚未充分顯現(xiàn)。根據(jù)實(shí)證結(jié)果,本文提出進(jìn)一步促進(jìn)小額貸款公司實(shí)現(xiàn)“支農(nóng)支小”與可持續(xù)發(fā)展雙績效目標(biāo)的政策建議：政府部門積極推動(dòng)監(jiān)管機(jī)制創(chuàng)新,構(gòu)建完善小額貸款公司社會(huì)責(zé)任績效信息披露體系；小額貸款公司培養(yǎng)履行責(zé)任意識(shí),強(qiáng)化與主流金融機(jī)構(gòu)合作機(jī)制；充分發(fā)揮小額貸款行業(yè)協(xié)會(huì)的宣傳引導(dǎo)作用等建議。
[Abstract]:Since the pilot work of China's microfinance companies in 2005, the microfinance industry has developed rapidly. It relies on a new type of commercial credit operation mode, which has found a feasible way for our country to help the poor and support agriculture. However, at present, the development of micro-credit companies in China is confronted with internal and external difficulties: on the one hand, the external environment is not in place, the market mechanism is not perfect, the institutional positioning is not clear and so on; On the other hand, there are many problems in the operation of enterprises, such as excessive pursuit of high interest rate, deviation of target, confusion of management and so on, which are not conducive to the survival and sustainable development of microfinance companies in China. In this case, how to effectively prevent the "target deviation" of microfinance companies and actively guide them to realize the small social goals of supporting agriculture has gradually become a hot issue in the field of microfinance research. This paper establishes a dynamic tripartite game model for the social responsibility of microfinance companies, analyzes the game equilibrium solutions and studies the strategies of the game and the factors affecting the social responsibility of microfinance companies. Taking the industry data of Guangxi microfinance company as a sample, this paper establishes the evaluation system of social performance index and financial performance index of small loan company respectively. Based on the canonical correlation analysis method, the paper uses SPSS 19.0 statistical software as a tool. This paper studies the relationship between social performance system, financial performance system and performance indicators of microfinance companies. The conclusions are as follows: the social performance and financial performance of Guang Xi Microloan Company are positively correlated with each other, and the financial synergy between microfinance companies and banks can be achieved through inter-industry financial synergy. The government is more inclined to reduce administrative intervention and promote microfinance companies to fulfill their social responsibilities by free market competition, and the function of helping the poor and supporting agriculture by microfinance companies has not been fully demonstrated. According to the empirical results, this paper puts forward some policy recommendations to further promote the micro-loan companies to achieve the goals of "supporting agriculture and supporting small" and sustainable development: the government actively promotes the innovation of regulatory mechanism. Some suggestions such as perfecting the disclosure system of social responsibility performance information of microfinance companies, cultivating the sense of responsibility, strengthening the cooperation mechanism with mainstream financial institutions, giving full play to the propaganda and guidance role of microfinance industry associations, etc.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F830.42

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 何光輝;楊咸月;;印度小額信貸危機(jī)的深層原因及教訓(xùn)[J];經(jīng)濟(jì)科學(xué);2011年04期

2 茅于軾;;怎樣確定最優(yōu)的轉(zhuǎn)貸比例——談小額貸款公司的前途[J];農(nóng)村金融研究;2010年09期

3 周孟亮;;我國小額信貸社會(huì)績效評(píng)價(jià)指標(biāo)設(shè)計(jì)研究[J];農(nóng)村金融研究;2011年02期

4 李明賢;周孟亮;;我國小額信貸公司的擴(kuò)張與目標(biāo)偏移研究[J];農(nóng)業(yè)經(jīng)濟(jì)問題;2010年12期

5 盛煜;;中國微型金融機(jī)構(gòu)財(cái)務(wù)目標(biāo)和社會(huì)目標(biāo)沖突分析[J];征信;2012年03期

6 張川;婁祝坤;高新梓;;國有企業(yè)社會(huì)責(zé)任與財(cái)務(wù)績效的實(shí)證研究[J];會(huì)計(jì)之友;2012年31期

7 陳玉娟;孫利榮;吳偉中;;小額貸款公司市場(chǎng)定位與持續(xù)發(fā)展研究[J];特區(qū)經(jīng)濟(jì);2009年12期

8 黃曉梅;;小額貸款公司信用風(fēng)險(xiǎn)的控制與防范[J];企業(yè)經(jīng)濟(jì);2012年11期

9 楊福明;章俏慧;;基于民間資本投資的小額貸款公司制度改革研究:溫州案例[J];上海金融;2013年12期

10 賀遠(yuǎn)瓊;田志龍;陳昀;;企業(yè)社會(huì)績效與經(jīng)濟(jì)績效的互動(dòng)關(guān)系研究[J];軟科學(xué);2007年01期

，

本文編號(hào)：2124636