主发起人性质与小额贷款公司多重目标实现——以山东省为例  

Main Sponsors' Characteristics and the Accomplishment of Multiple Targets of Small-Loan Companies:Evidence from Shandong Province

作　　者：梁巧慧 胡金焱[2] LIANG Qiao-hui HU Jin yan(School of Finance, Shandong University of Finance and Economics, Jinan 250014, School of Economics, Shandong University, Jinan 250100, P. R. China)

机构地区：[1]山东财经大学金融学院 [2]山东大学经济学院

出　　处：《山东大学学报（哲学社会科学版）》2017年第4期81-90,共10页Journal of Shandong University(Philosophy and Social Sciences)

基　　金：国家自然科学基金面上项目"小额贷款公司系统性风险的评估与度量研究"(71273155);国家自然科学基金重点项目"民间金融风险:变迁;区域差异与治理研究"(71333009)

摘　　要：从专业性和社会关系两个角度出发,以来自山东省的数据实证研究了主发起人性质对小额贷款公司多重目标实现的影响。研究发现:涉农企业发起设立的小额贷款公司具有一定的贷款领域专业性,发放了更高比例的涉农贷款;经营金融业务的企业发起设立的小额贷款公司具有有限的信贷业务专业性,社会服务性较低;国有集体资本参股影响小额贷款公司与政府和银行的关系,对三重目标实现既有直接影响,又可以通过主发起人性质产生间接作用。Using data from Shandong Province, we investigate the relationship between main sponsors＇ characteristics and small-loan companies＇ achievements for multiple targets from the perspectives of specialty and social relation. We find that when main sponsors are agricultural enterprises, small-loan companies issue more agricultural-related loans. When main sponsors are financial enterprises, small loan companies＇ social serviceability is significantly lower. Shareholding of state-owned capital could affect the relationship between small-loan companies and government or banks, and thus directly and indirectly affect small-loan companies＇ achievements of multiple targets.

关 键 词：小额贷款公司 主发起人 资产收益性 资本安全性 社会服务性 

分 类 号：F832.39[经济管理—金融学]