【摘要】：小額信貸作為一種金融創(chuàng)新服務(wù),滿足了小企業(yè)、個(gè)體戶、農(nóng)戶等無(wú)法從正規(guī)信貸市場(chǎng)獲得資金的金融弱勢(shì)群體的金融需求,為經(jīng)濟(jì)發(fā)展,社會(huì)穩(wěn)定做出了很大貢獻(xiàn)。與此同時(shí),盡管我國(guó)小額信貸在質(zhì)和量上都有很大的提高,但是機(jī)構(gòu)的可持續(xù)發(fā)展能力不足始終阻礙其進(jìn)一步發(fā)展,而其中最重要的一點(diǎn)就是利率定價(jià)方面的不可持續(xù)性。因此從機(jī)構(gòu)可持續(xù)發(fā)展能力角度出發(fā),對(duì)機(jī)構(gòu)定價(jià)方法進(jìn)行研究是非常必要的。 在介紹了相關(guān)研究背景之后,本文先闡述了本文的研究意義,并從三方面總結(jié)了現(xiàn)有國(guó)內(nèi)外研究成果以及研究創(chuàng)新與不足。在第二章中,筆者通過(guò)邏輯推導(dǎo),得出小額信貸機(jī)構(gòu)定價(jià)機(jī)制形成的關(guān)鍵是實(shí)現(xiàn)利率市場(chǎng)化,因此將金融發(fā)展理論及其拓展理論作為本文的理論依據(jù)。按照“提出問(wèn)題-分析問(wèn)題-解決問(wèn)題”的思路,文章在第三章中首先介紹了我國(guó)小額信貸的發(fā)展現(xiàn)狀,現(xiàn)行定價(jià)方法,并詳細(xì)分析了現(xiàn)行方法中存在的問(wèn)題。筆者認(rèn)為現(xiàn)行定價(jià)方法沒(méi)有較為合理的定價(jià)模型指導(dǎo)是其中很重要的一個(gè)問(wèn)題,在此基礎(chǔ)上,文章進(jìn)一步介紹現(xiàn)有三類小額信貸定價(jià)模型,并分析了各種方法的優(yōu)缺點(diǎn)。通過(guò)分析,筆者認(rèn)為現(xiàn)有定價(jià)方法對(duì)于較為合理的定價(jià)模型的需求與現(xiàn)有定價(jià)模型并不準(zhǔn)確的事實(shí)形成了矛盾,因此有必要重新構(gòu)建模型。最后,在對(duì)小額信貸利率的影響因素的分析之后,本文運(yùn)用盈虧平衡思路選擇其中的七個(gè)因素進(jìn)行建模,得到基于可持續(xù)發(fā)展的小額信貸定價(jià)模型。模型應(yīng)用部分驗(yàn)證了該模型具有一定的可操作性。文章最后提出了三條相關(guān)政策建議從而為新模型在我國(guó)小額信貸機(jī)構(gòu)中的使用創(chuàng)造條件。本文得到了兩方面的結(jié)論：其一,現(xiàn)有小額信貸模型存在不足；其二,新模型在理論上更為準(zhǔn)確,且具有一定可操作性,現(xiàn)階段采用新模型所得到的較高利率,能夠提高小額信貸可持續(xù)發(fā)展能力。
[Abstract]:Microfinance, as a kind of financial innovation service, meets the financial needs of the weak financial groups, such as small enterprises, self-employed households, farmers and so on, which can not obtain funds from the formal credit market, and has made great contributions to the economic development and social stability. At the same time, despite the great improvement in quality and quantity of microfinance in China, the lack of sustainable development of institutions has always hindered its further development, and the most important point is the unsustainable pricing of interest rates. Therefore, it is necessary to study the institutional pricing method from the perspective of institutional sustainable development ability. After introducing the relevant research background, this paper first describes the significance of this study, and summarizes the existing domestic and foreign research results and research innovation and shortcomings from three aspects. In the second chapter, the author draws the conclusion that the key to the formation of pricing mechanism of microfinance institutions is to realize the marketization of interest rate, so the theory of financial development and its expansion theory are taken as the theoretical basis of this paper. According to the idea of "posing problem-analyzing problem-solving problem", the article first introduces the present situation of the development of micro-credit in China, the current pricing method, and analyzes the existing problems in the current method in detail. The author thinks that there is no reasonable pricing model guidance in current pricing methods. On this basis, this paper further introduces three kinds of microfinance pricing models, and analyzes the advantages and disadvantages of these methods. Through the analysis, the author thinks that the demand of the more reasonable pricing model and the fact that the existing pricing model is not accurate has formed a contradiction, so it is necessary to rebuild the model. Finally, after analyzing the influencing factors of microfinance interest rate, this paper uses the idea of break-even to choose seven of the factors to model, and get the microfinance pricing model based on sustainable development. The application part of the model verifies that the model has certain maneuverability. Finally, three relevant policy suggestions are put forward to create conditions for the new model to be used in microfinance institutions in China. In this paper, two conclusions are drawn: first, the existing microcredit model is inadequate; second, the new model is more accurate in theory and has some maneuverability. Can improve the ability of microfinance sustainable development.
【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.4;F830.42

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