本文選題：小額信貸機(jī)構(gòu) + 社會(huì)績(jī)效��； 參考：《湖南農(nóng)業(yè)大學(xué)》2014年碩士論文

【摘要】：小額信貸機(jī)構(gòu)從20世紀(jì)70年代開始不斷發(fā)展,并經(jīng)歷了從福利主義向制度主義制度的過渡階段。這兩種制度均是服務(wù)于中低收入者,對(duì)社會(huì)產(chǎn)生一定的社會(huì)效益。以制度主義商業(yè)化為發(fā)展的趨勢(shì)越來越明顯,小額信貸機(jī)構(gòu)建立的初衷卻改變。小額信貸機(jī)構(gòu)真正的可持續(xù)發(fā)展需要實(shí)現(xiàn)社會(huì)目標(biāo)和追求財(cái)務(wù)可持續(xù)性這雙重目標(biāo)。目前扶貧和可持續(xù)發(fā)展難以協(xié)調(diào)發(fā)展。我國(guó)學(xué)者們對(duì)小額信貸社會(huì)績(jī)效研究總體上很少,尋求小額信貸機(jī)構(gòu)社會(huì)績(jī)效與財(cái)務(wù)績(jī)效協(xié)調(diào)發(fā)展路徑是亟需解決的問題。當(dāng)前的兩種機(jī)構(gòu)模式社會(huì)績(jī)效與財(cái)務(wù)績(jī)效的基本情況如何?二者之間有何矛盾?其社會(huì)績(jī)效的總體評(píng)價(jià)如何?影響二者協(xié)調(diào)發(fā)展的制約性因素有哪些?該如何治理?這對(duì)尋求發(fā)展路徑,促進(jìn)小額信貸機(jī)構(gòu)實(shí)現(xiàn)雙重目標(biāo)有重大意義。 本文通過介紹國(guó)內(nèi)外小額信貸機(jī)構(gòu)社會(huì)績(jī)效的研究給予國(guó)內(nèi)學(xué)者一些啟示,并對(duì)國(guó)內(nèi)兩種類型小額信貸機(jī)構(gòu)的社會(huì)績(jī)效和財(cái)務(wù)績(jī)效進(jìn)行總結(jié)。在此基礎(chǔ)上,分析二者之間的矛盾以及協(xié)調(diào)發(fā)展的可能性。本文采用層析分析法對(duì)我國(guó)兩家小額信貸機(jī)構(gòu)的社會(huì)績(jī)效進(jìn)行綜合評(píng)價(jià),分析總結(jié)社會(huì)績(jī)效與財(cái)務(wù)績(jī)效的協(xié)調(diào)發(fā)展情況,實(shí)踐表明小額信貸機(jī)構(gòu)協(xié)調(diào)發(fā)展有待改善。在對(duì)其制約因素進(jìn)行分析后,論文最后提出了政策建議,認(rèn)為要實(shí)現(xiàn)二者的協(xié)調(diào)發(fā)展.應(yīng)該充分發(fā)揮政府作用,加強(qiáng)政府部門扶持力度；推行利率市場(chǎng)化；擴(kuò)大融資渠道；實(shí)施信貸技術(shù)創(chuàng)新；創(chuàng)新開發(fā)以客戶為中心、以市場(chǎng)為導(dǎo)向；同時(shí)構(gòu)建社會(huì)績(jī)效管理系統(tǒng)。
[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.
【學(xué)位授予單位】：湖南農(nóng)業(yè)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 王海靜;;婦女小額信貸機(jī)構(gòu)績(jī)效評(píng)估分析——基于內(nèi)蒙古赤峰市昭烏達(dá)婦女可持續(xù)發(fā)展協(xié)會(huì)的實(shí)證研究[J];婦女研究論叢;2011年05期

2 聶勇;;多目標(biāo)決策的農(nóng)戶小額信貸績(jī)效評(píng)價(jià)模型研究[J];華中農(nóng)業(yè)大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2009年01期

3 杜曉山;孫同全;張群;;公益性及商業(yè)性小額信貸社會(huì)績(jī)效管理比較研究[J];現(xiàn)代經(jīng)濟(jì)探討;2011年05期

4 李艷華;凌文輇;;世界企業(yè)社會(huì)責(zé)任研究與實(shí)踐概述[J];技術(shù)經(jīng)濟(jì)與管理研究;2006年01期

5 劉慶娜;肖靖;;農(nóng)戶小額信貸績(jī)效評(píng)價(jià)與可持續(xù)發(fā)展[J];農(nóng)村經(jīng)濟(jì)與科技;2007年09期

6 周孟亮;;我國(guó)小額信貸社會(huì)績(jī)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

7 張世春;;小額信貸社會(huì)績(jī)效與財(cái)務(wù)績(jī)效的協(xié)調(diào)發(fā)展研究——基于福利經(jīng)濟(jì)視角[J];金融理論與實(shí)踐;2012年07期

8 王軍棟;;層次分析法在小額貸款信用風(fēng)險(xiǎn)評(píng)估中的應(yīng)用分析[J];金融理論與實(shí)踐;2013年01期

9 徐淑芳;彭馨漫;;微型金融機(jī)構(gòu)使命偏移問題研究[J];經(jīng)濟(jì)學(xué)家;2013年05期

10 張正平;梁毅菲;;小額貸款公司社會(huì)績(jī)效評(píng)估體系的構(gòu)建——基于層次分析法的實(shí)證研究[J];農(nóng)業(yè)技術(shù)經(jīng)濟(jì);2013年08期

，

本文編號(hào)：1884496