本文選題：小額信貸機構 + 社會績效�。� 參考：《湖南農(nóng)業(yè)大學》2014年碩士論文

【摘要】：小額信貸機構從20世紀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于中低收入者,對社會產(chǎn)生一定的社會效益。以制度主義商業(yè)化為發(fā)展的趨勢越來越明顯,小額信貸機構建立的初衷卻改變。小額信貸機構真正的可持續(xù)發(fā)展需要實現(xiàn)社會目標和追求財務可持續(xù)性這雙重目標。目前扶貧和可持續(xù)發(fā)展難以協(xié)調(diào)發(fā)展。我國學者們對小額信貸社會績效研究總體上很少,尋求小額信貸機構社會績效與財務績效協(xié)調(diào)發(fā)展路徑是亟需解決的問題。當前的兩種機構模式社會績效與財務績效的基本情況如何?二者之間有何矛盾?其社會績效的總體評價如何?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?這對尋求發(fā)展路徑,促進小額信貸機構實現(xiàn)雙重目標有重大意義。 本文通過介紹國內(nèi)外小額信貸機構社會績效的研究給予國內(nèi)學者一些啟示,并對國內(nèi)兩種類型小額信貸機構的社會績效和財務績效進行總結。在此基礎上,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我國兩家小額信貸機構的社會績效進行綜合評價,分析總結社會績效與財務績效的協(xié)調(diào)發(fā)展情況,實踐表明小額信貸機構協(xié)調(diào)發(fā)展有待改善。在對其制約因素進行分析后,論文最后提出了政策建議,認為要實現(xiàn)二者的協(xié)調(diào)發(fā)展.應該充分發(fā)揮政府作用,加強政府部門扶持力度；推行利率市場化；擴大融資渠道；實施信貸技術創(chuàng)新；創(chuàng)新開發(fā)以客戶為中心、以市場為導向；同時構建社會績效管理系統(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.
【學位授予單位】：湖南農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F830.42

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