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驱动农村新型金融机构成长的能力要素研究

Study on the Capacity Factors Driving the Growth of New-type Rural Financial Institution

作者: 专业:金融学 导师:任曙明 年度:2010 学位:硕士  院校: 大连理工大学

Keywords

Enterprise Competence Theory, Capacity, New-type Rural Financial Institutions, Growth, Financial Sustainability

        农村金融服务长期供给不足是我国当前农村经济发展与改革的掣肘。为弥补农村金融服务的缺失,政府以积极宽松的政策鼓励发展农村新型金融机构,使其成为中国农村金融市场的重要组成部分。但目前我国农村新型金融机构整体上发育不良、对市场适应能力较弱,他们对缓解整个农村金融问题的作用仍然有限。究其原因,本文认为,单纯依靠政策扶持无法解决根本问题,关键在于提升农村新型金融机构的内部核心能力,培育其内生成长机制。因此,有必要对能力驱动农村新型金融机构成长的机理进行系统深入的研究,从而为政府培育农村新型金融机构提供有效的途径和层次,并可以为政府如何调整、激发现有中介组织的作用提供有针对性的政策建议。本文从企业能力理论入手,开创了研究农村新型金融机构的新视角和新方法。文章构建了农村新型金融机构成长的能力系统,并基于对能力系统的分析将农村新型金融机构的内部能力划分为三个层次:资源与基础层次、业务与技术层次、产品与服务层次,然后理论分析了这三个层次下的六个关键能力要素缺失的原因、能力获取的途径、能力涉及的微观主体以及能力驱动农村新型金融机构成长的机理。随后,本文在对农村新型金融的研究过程中首次运用实证分析的方法,构建了驱动农村新型金融机构成长的能力模型,并以国际上478个小额信贷机构数据为样本对该模型进行了面板分析,检验了各能力要素对农村新型金融机构的影响。通过理论分析和实证检验,本文得出以下结论:资金保障能力、资产利用能力、风险控制能力、成本控制能力对于农村新型金融机构的成长都有显著的促进作用;农村新型金融机构存在规模经济,规模越大,越容易降低单位放贷成本,从而增加机构收益;农村新型金融机构的社会绩效与财务绩效之间并无冲突,为农村贫困人口提供金融服务可以促进农村新型金融机构的成长;国际上经济越发达的国家,小额信贷机构的成长越不充分,这在侧面也反映了相对于欧美发达国家,我国农村新型金融机构成长更具有宏观环境的优势。
    Lack of long-term supply of rural financial services hindered China’s Rural Reform and Development. The Government encourages the development of new rural financial institutions with a positive and relaxed policy to compensate for the lack of rural financial services. However, new-type rural financial institutions in our country are weak, their Ability to adapt to the market is weak, so their role in easing the financial problems in rural areas is still limited. This paper argues that Relying solely on policy supporting can not solve the fundamental problem, The key is to enhance the internal core competencies of the new-type rural financial institutions. Therefore, it is necessary to study deeply on the mechanism of Ability driving the growth of new-type rural financial institutions. Thus, provide the existing targeted policy recommendations for the government in stimulating the role of intermediary organizations.Starting from Enterprise Competence Theory, This paper creates a new perspectives and methods in researching new-type rural financial institutions. This paper builds a ability system for growing of new-type rural financial institutions. On the basis of analyzing ability system, this paper divided the in-house capacity of the new-type rural financial institutions into three levels:the level of resources and infrastructure, the level of business and technical and the level of product and service. Then this paper analyzes the reason of missing ability, the means of obtaining the ability, and the mechanisms of ability driving the new-type rural financial institutions. Secondly, this paper uses the method of empirical analysis in researching new-type rural financial institutions. This paper construct capacity model of driving the growth of new-type rural financial institutions, and make an empirical study based on panel data of 478 samples of MFI to test the effect of capacity factors to the growth of new-type rural financial institutions.On the basis of theoretical analysis and empirical analysis, this paper comes to conclusions as follows:The ability of financial security, asset utilization, risk controlling and cost controlling have a significant role in promoting the growth of new-type rural financial institutions; New-type rural financial institutions exists economies of scale; There is no conflict between social performance and financial performance of new-type rural financial institutions. To provide financial services to rural poor can also promote the growth of new-type rural financial institutions; Internationally, the national economy is more developed, the more inadequate of the growth of microfinance institutions, it can also reflects that to developed countries as European and American, the growth of china’s new-type rural financial institutions has a better environmental conditions.
        

驱动农村新型金融机构成长的能力要素研究

摘要4-5
Abstract5-6
1 绪论9-18
    1.1 研究背景和意义9-10
        1.1.1 问题的提出9
        1.1.2 研究意义9-10
    1.2 基本概念10-11
        1.2.1 企业能力10
        1.2.2 农村新型金融机构10-11
    1.3 相关研究综述11-15
        1.3.1 关于农村新型金融机构成长的研究11-12
        1.3.2 关于企业能力理论的研究12-15
    1.4 研究工作15-18
        1.4.1 思路及章节安排15-17
        1.4.2 研究方法17
        1.4.3 创新点17-18
2 驱动农村新型金融机构成长的能力要素提取18-24
    2.1 能力系统下对能力要素的提取18-20
        2.1.1 提取原则18-19
        2.1.2 企业能力系统的构建19
        2.1.3 农村新型金融机构成长的能力系统的构建19-20
    2.2 驱动农村新型金融机构成长的关键能力要素提取20-24
        2.2.1 资源与基础层次21-22
        2.2.2 务与技术层次22-23
        2.2.3 市场与盈利层次23-24
3 能力驱动农村新型金融机构成长的机理分析24-32
    3.1 农村新型金融机构成长的界定24-25
    3.2 资源与基础层面能力驱动机构成长的机理25-27
        3.2.1 资金保障能力25-27
        3.2.2 规模经济能力27
    3.3 业务与技术层面能力驱动机构成长的机理27-29
        3.3.1 资产利用能力27-28
        3.3.2 风险控制能力28-29
        3.3.3 成本控制能力29
    3.4 市场与盈利层面能力驱动机构成长的机理29-32
        3.4.1 产品服务能力29-32
4 能力驱动农村新型金融机构成长机理的实证分析32-44
    4.1 建立模型及指标度量32-36
        4.1.1 农村新型金融机构成长的指标选取32-33
        4.1.2 驱动能力指标的选取和度量33-35
        4.1.3 建立回归模型35-36
    4.2 数据来源和样本选取36-40
        4.2.1 数据来源36-37
        4.2.2 样本处理37
        4.2.3 样本描述性统计结果37-40
    4.3 实证检验及结果分析40-44
        4.3.1 Hausman检验40-41
        4.3.2 多元回归结果41-42
        4.3.3 稳健性检验42-44
5 研究结论与政策建议44-48
    5.1 研究结论44
    5.2 政策建议44-46
        5.2.1 政府角度44-45
        5.2.2 企业角度45-46
    5.3 局限与展望46-48
        5.3.1 局限46-47
        5.3.2 展望47-48
参考文献48-50
攻读硕士学位期间发表学术论文情况50-51
致谢51-53
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