微型金融机构使命偏移研究

Research on the Mission Drift of Micro Finance Institutions

文章针对微型金融机构在商业化进程中出现的"使命偏移"现象,以及由此引发的关于商业化和减贫目标如何实现双赢的争论,试图回答使命偏移产生的原因;使命偏移判断的标准。运用扩展的信贷配给模型阐释交易费用在使命偏移现象中的作用,然后对世界其他地区以及中国云南的使命偏移现象进行分析,说明仅用平均贷款规模来判断使命偏移是不够的,还需要其他信息,最主要的是微型金融机构是否触及最贫困人口。

For the mission drift in the commercialization of microfinance institutions,which leads to the debate about how to re alize the commercialization and poverty reduction at the same time,this paper analyzes the cause of and estimate standard of mission drift.Based on expanded credit rationing model,the paper explains how transaction costs affect micro finance institu tions（MFIs） and analyzes mission drift phenomena of Yunnan and other regions in the world.The result shows that it isn’t enough to judge mission drift only by the average loan size,it needs other information especially whether MFIs serve the poor est.