摘要小额信贷模式自20世纪70年代初诞生以来,在世界范围内取得了举世瞩目的成就。联合国把2005年命名为“国际小额信贷年”, 认为要在世界范围内建立普惠金融体系，首先强调金融体系要为所有人服务，包括穷人和微型企业,另外要把小额信贷整合到金融体系当中，在法律政策和融资渠道方面给予小额信贷更广阔的发展空间，使其不再处于边缘化地位。我国的小额信贷模式在近20年发展过程中,不断借鉴国外学者、机构的创新观念,促进自身的可持续发展。温州金融改革后加大对小额信贷机构的政策扶持,拓展其资金来源渠道。我国宏观经济政策条件的改善,为小额信贷机构的持续发展创造了良好的环境。67203

   本文运用定性与定量的方法相结合,立足于我国小额信贷机构财务可持续影响因素的研究。研究结果表明：我国小额信贷机构的财务可持续性与吸储能力、资产利用水平、信息透明度呈正相关关关系,与资产利用水平、风险贷款率呈负相关关系。因此,要实现我国小额信贷机构的可持续发展需要拓展资金渠道、提高风险管理水平、完善内部管理削减成本、增强信息的公开透明化。

毕业论文关键词   小额信贷  财务可持续性  影响因素  实证研究

毕 业 论 文 外 文 摘 要

Title:   Financial sustainability of MFIs Empirical Study        

Abstract

Microfinance model since the early 1970s, since the birth of the world has made remarkable achievements. The United Nations has named 2005 as the "International Year of Microcredit," thought to be in the world to establish an inclusive financial system, first emphasized the financial system to work for everyone, including the poor and micro-enterprises, in addition to put into microfinance among the financial system, the legal policy and financing channels give microcredit broader space for development, it is no longer marginalized. Microfinance model in our nearly 20 years of development process, and constantly learn from foreign scholars, institutions and innovative ideas to promote their sustainable development. Wenzhou financial reform to increase policy support MFIs to expand its funding sources. The improvement of China's macroeconomic policy conditions for the sustainable development of microfinance institutions to create a good environment. The improvement of China's macroeconomic policy conditions for the sustainable development of microfinance institutions to create a good environment.

This paper uses qualitative and quantitative methods combined, based on the financial sustainability of microfinance institutions influencing factors. The results showed that: our financial sustainability of MFIs and Absorbing capacity, asset utilization levels, information transparency was positive correlation between asset utilization levels, risk lending rate showed a negative correlation. Therefore, to achieve our sustainable development of microfinance institutions need to expand funding channels, improve risk management, improve internal management to cut costs, increase transparency of information disclosure.

Keywords  Microfinance， Financial Sustainability,   Influential factor，Empirical study

目   录

1 绪论 1

1.1 研究背景及意义 1

1.2 国内外文献综述 1

1.3 研究方法及文章结构 3

2 相关理论与概念 5

2.1 普惠金融体系 5

2.2 温州金融改革