中国福利性微型金融财务可持续评估研究

基于福利性微型金融财务可持续过程中所面临的不确定性,改进传统的AHP方法,建立基于不确定型层次分析法(UTAHP)的福利性微型金融财务可持续评估模型,考量中国扶贫基金会小额信贷项目财务可持续能力。结果表明:在2004~2012年期间,中国扶贫基金会小额信贷项目财务可持续能力不断提升,其贷款能力、运营能力、盈利能力和发展能力均保持上升态势,只有个别年份出现了短暂的下降波动。

Evaluation on the Financial Development Sustainability of China Welfare Microfinance Institutions

In view of the characteristics of incomplete information in China, this paper constructs the evaluation index system of the financial sustainable development capability for the welfare microfinance institutions and a measuring model via UTAHP against normal Analytic Hierarchy Process. This paper also makes an empirical analysis on the microcredit of China Foundation for Poverty Alleviation(CFPA). The results show that an uptrend of the financial development sustainability of CFPA''s microcredit with only a few dips during 2004~2012, and the key factors to achieve the financial development sustainability have been going up, such as the lending capacity, the operation capacity, the earning capacity and the self-development capacity.