本文選題：微型金融 + 扶貧　； 參考：《暨南大學(xué)》2012年碩士論文

【摘要】：微型金融是不同于傳統(tǒng)正規(guī)金融的一種新型金融制度安排，其宗旨是幫助無法從正規(guī)金融機構(gòu)中獲得金融服務(wù)的窮人、貧困家庭及微型企業(yè)獲取金融服務(wù)。但在實際運行中，大部分微型金融機構(gòu)都面臨可持續(xù)發(fā)展的困境，或者是實行商業(yè)化運作的微型金融機構(gòu)又難以將其目標客戶定位于貧困群體，扶貧與財務(wù)可持續(xù)發(fā)展兩大目標難以協(xié)調(diào)發(fā)展。如何平衡微型金融發(fā)展中雙重目標之間的沖突，是微型金融研究領(lǐng)域亟需解決的重大問題。我國微型金融機構(gòu)是否存在雙重目標沖突？有哪些制約因素？又該如何治理？這些問題對于我國全面推廣微型金融具有重要意義，也是本文研究的主要內(nèi)容。 本文首先對微型金融的理論基礎(chǔ)進行了闡述，主要界定了微型金融的相關(guān)概念及分類，疏導(dǎo)了微型金融理論的發(fā)展脈絡(luò)，歸納了微型金融可持續(xù)發(fā)展的含義及衡量指標，并分析了微型金融扶貧與可持續(xù)發(fā)展雙重目標協(xié)調(diào)的可能性。其次，本文介紹了我國微型金融的發(fā)展現(xiàn)狀并分別對各類微型金融機構(gòu)的運行效率進行了詳細分析。在此基礎(chǔ)上，本文采用因子分析法對我國微型金融扶貧與可持續(xù)發(fā)展之間是否存在沖突進行了計量檢驗，實證分析結(jié)果表明我國微型金融扶貧與可持續(xù)發(fā)展之間已出現(xiàn)沖突。在對我國微型金融扶貧與可持續(xù)發(fā)展二者之間沖突的制約因素進行分析后，，本文認為最主要的原因是無法有效解決我國農(nóng)村信貸市場“成本高、收益低、風(fēng)險大”的難題。論文最后提出了政策建議，認為要有效降低雙重目標之間的沖突，應(yīng)該擴大微型金融機構(gòu)融資渠道、創(chuàng)新微型金融產(chǎn)品及機制，同時加強政府部門的扶持力度。
[Abstract]:Microfinance is a new type of financial system arrangement, which is different from traditional formal finance. Its purpose is to help the poor, poor families and microenterprises who can not get financial services from formal financial institutions to obtain financial services. However, in practice, most MFIs are facing the dilemma of sustainable development, or it is difficult for the MFIs to target their clients at the poor groups. Poverty alleviation and financial sustainable development are difficult to coordinate. How to balance the conflict between the two objectives in the development of microfinance is an important problem that needs to be solved in the field of microfinance research. Is there a double target conflict in China's microfinance institutions? What are the constraints? And how? These problems are of great significance for the promotion of microfinance in China, and are also the main contents of this paper. Firstly, this paper expounds the theoretical basis of microfinance, mainly defines the related concepts and classification of microfinance, unlocks the development context of microfinance theory, and summarizes the meaning and measurement index of sustainable development of microfinance. It also analyzes the possibility of coordinating the dual goals of poverty alleviation and sustainable development in micro finance. Secondly, this paper introduces the development of microfinance in China and analyzes the operational efficiency of various microfinance institutions in detail. On this basis, this paper uses factor analysis method to measure whether there is a conflict between poverty alleviation and sustainable development in micro-finance in China. The empirical analysis results show that there is a conflict between poverty alleviation and sustainable development in micro-finance in China. After analyzing the restrictive factors of the conflict between poverty alleviation and sustainable development in micro-finance in China, the author thinks that the main reason is that the rural credit market in our country cannot effectively solve the problem of "high cost, low income and great risk". Finally, the paper puts forward some policy suggestions, which suggest that in order to effectively reduce the conflict between the two objectives, we should expand the financing channels of microfinance institutions, innovate micro-finance products and mechanisms, and strengthen the support of government departments at the same time.
【學(xué)位授予單位】：暨南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4

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