农村小额信贷业务绩效的实证研究——基于广东茂名的数据  

An Empirical Research on the Performance of Rural Micro-finance in China

作　　者：周天芸[1] 罗伟浩[1] 

机构地区：[1]中山大学,广东广州510275

出　　处：《金融理论与实践》2011年第5期22-27,共6页Financial Theory and Practice

基　　金：国家社会科学基金项目;项目名称完善现代农村金融制度研究;项目编号09BJY102

摘　　要：小额信贷的业务绩效体现小额信贷业务的可持续性,农村信用社经营小额信贷业务关注其能否改善其经营效益,即通过开展农户小额信贷业务能否提高农村信用社的利润水平及改善各项风险指标。本文基于茂名农村信用社改革试点监测考核系统的统计数据,采用面板线性回归模型,通过固定效应和随机效应模型的估计,对农村信用社农户小额信贷的绩效评价进行实证检验,讨论农户小额信贷对农村信用社的经营效益所产生的影响。研究结果表明,农村信用社的小额贷款业务可以有效提高农村信用社的利润水平,同时降低农村信用社的不良贷款率,具有较好的业务绩效。China＇ s rural credit association began its micro-finance business in 1999. During the prac- tice in micro finance, the rural credit associations focus on micro finance sustainability and perfor mance. Based on the relative research, we aim at the performance evaluation of the micro finance launched by the rural credit association. Taking Maoming as an example, considering fixed and random effects, we use panel data to analyze the micro finance＇ s sustainability and business performance. Our results show that micro finance can improve the performance and lower the business risk of rural credit association.

关 键 词：微型金融 小额信贷 可持续性 业务绩效 社会绩效 

分 类 号：F830.6[经济管理—金融学]