本文選題：微型金融 + 可持續(xù)發(fā)展��； 參考：《華南理工大學(xué)》2014年碩士論文

【摘要】：微型金融是指專門針對貧困、低收入的人口和微型企業(yè)而建立的金融服務(wù)體系，具體包括小額信貸、儲(chǔ)蓄、匯款和小額保險(xiǎn)等。微型金融機(jī)構(gòu)（MFIs）以為窮人提供金融服務(wù)為中心，致力于提升他們的收入和生活條件，最終脫貧。2010年印度安德拉邦的小額信貸危機(jī)引起了世界范圍內(nèi)小額信貸實(shí)務(wù)部門和學(xué)術(shù)界的關(guān)注，越來越多的學(xué)者開始關(guān)注并研究微型金融機(jī)構(gòu)的可持續(xù)發(fā)展。 本文圍繞微型金融機(jī)構(gòu)可持續(xù)發(fā)展的問題，闡述了微型金融機(jī)構(gòu)可持續(xù)發(fā)展的內(nèi)涵、衡量指標(biāo)和影響微型金融機(jī)構(gòu)可持續(xù)發(fā)展的微觀和宏觀因素。并以國際上發(fā)展成熟的219家微型金融機(jī)構(gòu)為研究對象，選取經(jīng)營可持續(xù)率作為因變量衡量微型金融機(jī)構(gòu)的可持續(xù)發(fā)展能力，建立面板數(shù)據(jù)分析模型，，分析機(jī)構(gòu)本身的微觀變量和所處經(jīng)濟(jì)環(huán)境的宏觀指標(biāo)對微型金融機(jī)構(gòu)可持續(xù)發(fā)展能力的影響。本文得出微型金融機(jī)構(gòu)的貸款總額占總資產(chǎn)的比重、實(shí)際收益率、所處國家的FDI占GDP比重、 GDP增長率和農(nóng)村人口占總?cè)丝诘谋戎剡@五個(gè)變量與微型金融機(jī)構(gòu)可持續(xù)發(fā)展呈顯著的正相關(guān)關(guān)系；而總費(fèi)用占總資產(chǎn)的比率、逾期30天以上的風(fēng)險(xiǎn)資產(chǎn)比率和征信信息深度指數(shù)這三個(gè)變量與微型金融機(jī)構(gòu)可持續(xù)發(fā)展呈顯著的反相關(guān)關(guān)系。最后根據(jù)實(shí)證結(jié)果，從微觀和宏觀兩個(gè)層面提出了有利于微型金融機(jī)構(gòu)可持續(xù)發(fā)展的建議。
[Abstract]:Microfinance refers to the financial services set up specifically for poor, low income and micro enterprises, including microfinance, savings, remittances and small insurance. The micro financial institution (MFIs) centers on the financial services of the poor, aims to improve the income and living conditions of the poor, and eventually takes off poverty in India,.2010. The microcredit crisis in de la state has aroused the attention of the micro credit practice departments and academia worldwide, and more and more scholars have begun to pay attention to and study the sustainable development of micro financial institutions.
This paper, focusing on the sustainable development of micro financial institutions, expounds the connotation of the sustainable development of the micro financial institutions, the measurement indicators and the micro and macro factors affecting the sustainable development of the micro financial institutions, and takes the 219 micro financial institutions developed internationally as the research object and selects the operating sustainability as a dependent variable. To measure the sustainable development ability of micro financial institutions, establish a panel data analysis model, analyze the impact of microfinancial institutions' micro variables and macroeconomic indicators on the sustainable development of micro financial institutions. This paper draws a conclusion that the total loans of the micro financial institutions account for the proportion of the total assets, the actual rate of return and the FDI of the country. The five variables, which account for the proportion of GDP, the rate of GDP growth and the proportion of rural population to the total population, have a significant positive correlation with the sustainable development of micro financial institutions, while the ratio of total cost to total assets, the ratio of risk assets over 30 days overdue and the depth index of credit information are shown to be significant with the sustainable development of micro financial institutions. Finally, according to the empirical results, we put forward suggestions for sustainable development of microfinance institutions from two aspects, micro and macro level.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33

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本文編號(hào)：2050391