【摘要】：當前我國農村小額信貸發(fā)展過程中的績效問題比較突出，，本文從社會績效和財務績效兩個角度出發(fā)，對我國農村小額信貸績效問題進行綜合研究。在文章開始部分首先介紹了有關小額信貸績效評價的理論基礎，主要有堅持“福利主義”的社會績效評價理論和堅持“制度主義”的財務績效評價理論。本文研究的重點放在兩個方面：第一，對小額信貸扶貧增收效應的社會績效分析，研究發(fā)現(xiàn)，小額信貸一方面能夠緩解農村貧困農戶貸款難的問題，是我國扶貧的有力工具；另一方面能夠改善農戶的收入狀況。通過實證研究得出，農戶獲得小額信貸后的投向不同，對農戶收入改善的效果也有所不同，其中，農業(yè)投向中的養(yǎng)殖業(yè)和經(jīng)濟林種植業(yè)的績效表現(xiàn)突出，而相對于其他農業(yè)投向來說，將小額信貸投向非農業(yè)能夠獲得更好的效果。第二，對小額信貸機構的財務績效分析的研究發(fā)現(xiàn)，小額信貸機構的規(guī)模、成本和收益等因素對信貸機構的可持續(xù)發(fā)展具有重要影響。實證研究得出，信貸機構發(fā)展小額信貸業(yè)務，不僅增加了其營利能力，且并未給信貸機構帶來額外的信用風險。鑒于農村小額信貸的發(fā)展對農戶和機構均產(chǎn)生了積極的效應，文章最后部分對提高小額信貸績效提出了相關建議，我國農村發(fā)展小額信貸要在堅持社會績效的基礎上逐漸重視信貸機構得以可持續(xù)發(fā)展的財務指標，努力實現(xiàn)雙贏的績效目標，并促進其發(fā)展為微型金融、普惠金融，以實現(xiàn)小額信貸在我國農村長遠可持續(xù)性地發(fā)展。
[Abstract]:At present, the performance problem in the development of rural micro-credit in China is quite prominent. This paper makes a comprehensive study on the performance of rural micro-credit in China from the perspectives of social performance and financial performance. At the beginning of the article, the author first introduces the theoretical basis of microcredit performance evaluation, including the social performance evaluation theory of "welfare doctrine" and the financial performance evaluation theory of "institutionalism". This paper focuses on two aspects: first, the social performance analysis of the effect of microcredit on poverty alleviation and income increase, the research finds that on the one hand, microcredit can alleviate the problem of rural poor farmers' loans, which is a powerful tool for poverty alleviation in China; On the other hand, it can improve the income of farmers. Through the empirical study, it can be concluded that the investment of farmers after obtaining micro-credit is different, and the effect of improving farmers' income is also different. Among them, the performance of farming and economic forest planting in agricultural investment is outstanding. Compared with other agricultural investments, microcredit investment in non-agricultural can achieve better results. Second, the financial performance analysis of microfinance institutions found that the size, costs and benefits of microfinance institutions have an important impact on the sustainable development of credit institutions. Empirical study shows that the development of microcredit institutions not only increases their profit-making ability, but also does not bring additional credit risk to credit institutions. In view of the positive effects of the development of rural micro-credit on farmers and institutions, the last part of the article puts forward some suggestions to improve the performance of micro-credit. On the basis of adhering to social performance, microcredit for rural development in China should gradually attach importance to the financial indicators of sustainable development of credit institutions, strive to achieve win-win performance goals, and promote its development into micro-finance and inclusive finance. In order to realize the long-term sustainable development of microcredit in rural areas of our country.
【學位授予單位】：廣東商學院
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.4

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