农村小额信贷业务绩效的实证研究——基于广东茂名的数据

小额信贷的业务绩效体现小额信贷业务的可持续性,农村信用社经营小额信贷业务关注其能否改善其经营效益,即通过开展农户小额信贷业务能否提高农村信用社的利润水平及改善各项风险指标。本文基于茂名农村信用社改革试点监测考核系统的统计数据,采用面板线性回归模型,通过固定效应和随机效应模型的估计,对农村信用社农户小额信贷的绩效评价进行实证检验,讨论农户小额信贷对农村信用社的经营效益所产生的影响。研究结果表明,农村信用社的小额贷款业务可以有效提高农村信用社的利润水平,同时降低农村信用社的不良贷款率,具有较好的业务绩效。

An Empirical Research on the Performance of Rural Micro-finance in China

China's rural credit association began its micro-finance business in 1999.During the practice in micro-finance,the rural credit associations focus on micro-finance sustainability and performance.Based on the relative research,we aim at the performance evaluation of the micro-finance launched by the rural credit association.Taking Maoming as an example,considering fixed and random effects,we use panel data to analyze the micro-finance's sustainability and business performance.Our results show that micro-fina...