發(fā)布時(shí)間：2018-01-21 22:16

  本文關(guān)鍵詞： 小額信貸機(jī)構(gòu) 委托代理 博弈論 影響因素 治理　出處：《北京工商大學(xué)》2013年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：近年來(lái)，全球小額信貸機(jī)構(gòu)迅速發(fā)展，不僅為全世界減緩貧困和社會(huì)發(fā)展做出了積極貢獻(xiàn)，也為微型金融行業(yè)發(fā)展和低收入群體實(shí)現(xiàn)自我發(fā)展發(fā)揮了積極的作用。然而，隨著小額信貸商業(yè)化趨勢(shì)的加強(qiáng)，小額信貸機(jī)構(gòu)的雙重目標(biāo)（財(cái)務(wù)目標(biāo)和社會(huì)目標(biāo)）難以兼顧，越來(lái)越多的小額信貸機(jī)構(gòu)開(kāi)始從商業(yè)銀行甚至資本市場(chǎng)進(jìn)行融資，這無(wú)疑有助于改善其財(cái)務(wù)可持續(xù)性目標(biāo)，但卻導(dǎo)致了日益嚴(yán)重的偏離其社會(huì)目標(biāo)的問(wèn)題，并且這種“目標(biāo)偏離（mission drift）”現(xiàn)象在中國(guó)也廣泛存在，甚至更嚴(yán)重。中國(guó)小額信貸機(jī)構(gòu)是服務(wù)“三農(nóng)”的重要力量，受到政府的高度重視，然而這些MFIs普遍存在“嫌貧愛(ài)富”“壘大戶(hù)”等現(xiàn)象，“脫農(nóng)”問(wèn)題比較嚴(yán)重，甚至已經(jīng)偏離了服務(wù)“三農(nóng)”的社會(huì)目標(biāo)。小額信貸機(jī)構(gòu)對(duì)于社會(huì)目標(biāo)的偏離將直接影響其為低收入群體提供服務(wù)的數(shù)量和質(zhì)量，不利于其減緩貧困的社會(huì)宗旨的實(shí)現(xiàn)。因此，研究中國(guó)小額信貸機(jī)構(gòu)的目標(biāo)偏離狀況、分析影響目標(biāo)偏離的因素并提出治理目標(biāo)偏離的建議，對(duì)于中國(guó)小額信貸機(jī)構(gòu)具有重要的意義。 本文主要通過(guò)理論分析和實(shí)證分析相結(jié)合的方式討論小額信貸機(jī)構(gòu)目標(biāo)偏離的發(fā)生機(jī)制、影響因素以及治理目標(biāo)偏離的政策建議。本文首先以小額信貸機(jī)構(gòu)的社會(huì)目標(biāo)為出發(fā)點(diǎn)，結(jié)合委托代理理論，，分階段建立動(dòng)態(tài)博弈模型，對(duì)目標(biāo)偏離的發(fā)生機(jī)制進(jìn)行系統(tǒng)地分析；其次，分別利用外國(guó)數(shù)據(jù)和中國(guó)數(shù)據(jù)對(duì)影響小額信貸機(jī)構(gòu)目標(biāo)偏離的因素進(jìn)行實(shí)證分析，并通過(guò)比較分析找出對(duì)中國(guó)小額信貸機(jī)構(gòu)目標(biāo)偏離有顯著影響的因素；最后結(jié)合國(guó)外在治理小額信貸機(jī)構(gòu)目標(biāo)偏離方面的經(jīng)驗(yàn)，對(duì)我國(guó)小額信貸機(jī)構(gòu)目標(biāo)偏離的治理提出一些建議。
[Abstract]:In recent years, the rapid development of global microcredit institutions has not only contributed positively to poverty alleviation and social development throughout the world. It has also played a positive role in the development of the microfinance industry and the self-development of low-income groups. However, with the strengthening of the commercialization trend of microcredit. The dual objectives of microfinance institutions (financial objectives and social objectives) are difficult to balance. More and more microfinance institutions begin to finance from commercial banks and even the capital market. This has undoubtedly contributed to improving its financial sustainability goals, but has led to an increasing problem of deviating from its social objectives. And this "target deviation mission drift" phenomenon also exists widely in China, or even more serious. Chinese microfinance institutions are an important force in serving" agriculture, countryside and farmers ". The government attaches great importance to these MFIs, however, there are many phenomena such as "loathing the poor and loving the rich", "the big man", and so on, and the problem of "getting rid of agriculture" is quite serious. The deviation of microfinance institutions from social goals will directly affect the quantity and quality of services provided to low-income groups. It is not conducive to the realization of the social aim of poverty alleviation. Therefore, this paper studies the status of the goal deviation of China's microfinance institutions, analyzes the factors that affect the deviation and puts forward some suggestions for the governance of the deviation. It is of great significance to China's microfinance institutions. This paper mainly through the theoretical analysis and empirical analysis of the combination of the way to discuss the microfinance institutions of the occurrence mechanism of deviation. Influence factors and governance objectives deviated from the policy recommendations. Firstly, this paper takes the social goals of microfinance institutions as the starting point, combined with the principal-agent theory, to establish a dynamic game model in stages. The mechanism of target deviation is analyzed systematically. Secondly, we use foreign data and Chinese data to make empirical analysis on the factors that influence the deviation of microfinance institutions' target, and find out the factors that have significant influence on the deviation of China's microfinance institutions' targets. Finally, combined with the experience of foreign countries in controlling the deviation of microfinance institutions' objectives, some suggestions are put forward for the governance of the deviation of microfinance institutions' objectives.
【學(xué)位授予單位】：北京工商大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

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