双目标制下农村微型金融机构财务可持续的影响因素分析  

The Factors Affecting the Financial Sustainability of Rural Micro-financial Institutions under the Dual Goals Equilibrium

作　　者：贾立[1] 汤敏 李泽毅 

机构地区：[1]四川大学经济学院 [2]广州农村商业银行 [3]遂宁市商业银行

出　　处：《四川大学学报（哲学社会科学版）》2017年第3期132-140,共9页Journal of Sichuan University：Philosophy and Social Science Edition

基　　金：国家社会科学基金"农村新型金融组织创新研究"(11BJY083)

摘　　要：从理论上分析农村微型金融机构可持续发展双重目标均衡的可能性,并实证检验我国农村微型金融机构的财务可持续与支农覆盖面目标是否背离,结果发现:没有显著证据表明我国农村微型金融机构的财务可持续和支农覆盖面之间是矛盾的;影响农村微型金融机构财务可持续的因素主要包括贷款收益率、资金成本、人力成本以及机构所在国家GDP增长率等。因此,农村微型金融机构应该始终坚持"支农支小"的目标定位。同时,可以通过完善经验管理制度、信贷审批制度等公司治理体系,拓展资金来源渠道,积极与地方政府合作等方式实现财务可持续。This paper analyzes the dual goals equilibrium possibility of sustainable development of Rural Micro-financial Institutions, examines whether their financial sustainability deviates from their goal of supporting agricultural coverage, and thus discovers the factors affecting their financial sustainability. The results are as follows： no obvious evidence shows the financial sustainability of these institutions isincompatible with their goal of supporting-agricultural coverage; the factors affecting their financial sustainability include loans yield, capital cost, human cost, and the GDP growth rate of the country where the institutions belong etc. As a result, to realize sustainable financial development, Rural Micro-financial Institutions should first stick to the mission of “ supporting agriculture and the small enterprises”. Next, they can enhance financial sustainability by improving corporate governance system such as Experience Management System and Credit Screening System, extending the channels of capital sources and cooperating with local government, and so on.

关 键 词：农村微型金融机构 财务可持续 支农覆盖面 

分 类 号：F320.2[经济管理—产业经济] F832.21