摘要
本文从效率的视角考察小额贷款公司的运营效率对目标偏离现象的影响。利用2014年小额贷款公司竞争力百强汇总表,在测算出DEA效率值的基础上采用SUR方法进行验证,结果表明效率与小额贷款公司的目标偏离呈显著的负相关关系,贷款收益率与目标偏离呈倒U形关系。要矫正小额贷款公司的目标偏离问题,不能过度强调扶贫性社会目标的履行,而应该注重提升机构自身的效率和盈利能力。
From the perspective of efficiency, this paper presents an analysis of the influence of the operational efficiency of micro-credit companies on target deviation. The author of the paper uses the list of Top 100 Micro-credit Companies to value the DEA efficiency and then verify the efficiency by SUR method. The results show that the efficiency is negatively correlated with the target deviation of the micro-credit companies, and there is an inverted U-shaped relationship between loan yield and target deviation. To correct the deviation of micro-credit companies, it＇s not necessary to emphasize the social goal fulfillment of poverty alleviation too much, but the efficiency and profitability of the institutions should be improved.
出处
《金融论坛》
CSSCI
北大核心
2017年第1期24-34,共11页
Finance Forum
基金
<中小企业金融服务与金融体系变革--国际比较与中国实践>(71173247)
<中国中小微企业金融服务发展报告(2015)>(中国金融出版社
ISBN:9787504980663)的资助
关键词
小额贷款公司
目标偏离
运营效率
财务效益
盈利能力
micro-credit company
target deviation
operational efficiency
financial efficiency
profitability
