摘要
如何在普惠金融模式下实现微型金融的社会绩效与可持续性一直是社会科学亟待解决的难题之一。本文首次运用社会网络分析,从结构属性、网络类型以及关系性质三个层面共九个维度构建社会网络指标体系,然后通过银行网点的问卷调查,获取316份有效问卷数据,在此基础上考察社会网络对商业银行微型金融社会绩效与可持续性的影响,发现网络类型和关系性质有助于改善微型金融的社会绩效,其中情感性网络和支持性网络可显著增加小额信贷笔数,商业性网络可降低人均贷款额并提高小额信贷利息收入,关系性质有助于增加人均贷款额,但结构属性没有显著影响。结果表明,金融机构应积极拓展社会网络资源并与利益相关者构建互信互惠的长期合作关系,才能不断促进微型金融业务的创新、推动普惠金融体系的可持续发展并优化社会资源的配置效率。
Summary： Microfinance refers to financial services for poor or low-income people, unemployed or laid-off workers, people with disabilities and micro and small enterprises. These social entities are typically characterized by low access to credit due to a lack of collateral to establish their creditworthiness, which leads them to pay relatively high costs on microfinance loans. Improvement of these entities＇ access to microfinance services is further limited by technology, available funds and human resources. As a result, how to promote the commercial sustainability of microfinance without overreliance on government subsidies remains an unsolved issue in social science research.
出处
《经济研究》
CSSCI
北大核心
2017年第2期140-155,共16页
Economic Research Journal
基金
感谢国家自然科学基金(71673110)
教育部人文社科基金(16YJA790044)的研究资助
关键词
社会网络
微型金融
普惠金融
小额信贷
商业银行
Social Networks
Microfinance
Inclusive Financial System
Microcredit Loans
Commercial Banks
作者简介
苏冬蔚，暨南大学经济学院金融系、暨南大学金融研究所，邮政编码：510632，电子信箱：tdsu@jnu．edu．cn.
