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小额贷款公司的区域差异及其成因——基于省际数据的比较分析
引用本文:张翼.小额贷款公司的区域差异及其成因——基于省际数据的比较分析[J].上海金融学院学报,2012(6):27-34.
作者姓名:张翼
作者单位:中国人民银行扬州市中心支行,江苏扬州,225000
摘    要:小额贷款公司是近年来兴起的新型金融组织,尤其在农村和县域金融市场,其影响力日益彰显。从其发展情况看,不同地区间的小贷公司存在着显著差异,且分布特征明显有别于传统金融机构。已有的研究尚未对小贷公司的区域差异及其成因进行全面分析。本文基于央行公布的分地区统计数据,运用实证方法,对全国各省(市、自治区)小贷公司的发展情况进行全面比较,指出当前各地区小贷公司的规模差异主要与所在地区的信贷总量、产业结构特别是工业化率以及政策性激励因素相关,并在此基础上提出了有针对性的对策建议。

关 键 词:小额贷款公司  新型金融组织  地区差异  发展路径

Regional Differences of Micro-credit Companies and Their Causes Comparative Analysis Based on Inter-provincial Data
Zhang Yi.Regional Differences of Micro-credit Companies and Their Causes Comparative Analysis Based on Inter-provincial Data[J].Journal of Shanhai Finance University,2012(6):27-34.
Authors:Zhang Yi
Abstract:In recent years, as a kind of new financial organizations, micro-credit companies grow fast. Especially in rural and county financial markets, their influence keeps increasing. We find that micro-credit companies are heterogeneous across areas and their characters are different from traditional financial institutions. Existing research has not analyzed the cause of these regional differences. Our researchis based on the data of micro-credit companies in all provinces (municipalities and autonomous re- gions). The data is released by the central bank. The research indicates that the dif- ference in credit size of the micro-credit companies should be attributed tothe credit scale of local areas. The difference is also related with the local industrialization and the motivating factors related with policies. At last , we give some advice about de- velopment of micro-credit companies.
Keywords:Micro-credit Company  Regional Differences  Development Path
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