微型金融机构类型特征会影响其财务绩效和社会绩效吗——基于“一带一路”国家微型金融机构的数据

Does the Type of Characteristic about MFI Affect their Financial Performance and Social Performance?Based on MFIs' Data in Countries Along “the Belt and Road”

微型金融机构在世界范围尤其是在发展中国家的减贫斗争中取得了重大成效,而微型金融机构的类型特征是影响其经营绩效的重要因素之一。基于"一带一路"沿线24个国家96家微型金融机构2014-2016年的数据,分析不同机构类型特征对微型金融机构财务绩效与社会绩效的影响,研究发现:在财务绩效方面,非政府组织微型金融机构与银行类微型金融机构、非银行类微型金融机构无显著差异;在社会绩效方面,非政府组织微型金融机构发放的人均贷款额度更小,覆盖广度和深度更好,能够更好地兼顾财务绩效与社会绩效。

Microfinance institutions have achieved significant results in fighting poverty throughout the world, especially in developing countries.As an important factor affecting the performance of microfinance institutions,research on them has contributed to the sustainable development of microfinance institutions.Based on the data of 24 countries along "the Belt and Road",this paper takes the financial performance and social performance of different types of characteristics about MFIs as the research theme.In terms of financial performance,there is no significant difference between NGOs MFIs and banking MFIs & non-banking MFIs.In terms of social performance,the amount of per capita loans issued by NGO MFIs is smaller,and the NGOs MFIs has more advantages in attracting microfinance.As well as,the NGOs MFIs can more deeply and extensively cover financial services to poor people. The NGOs MFIs can better balance financial performance with social performance.