安徽省微型金融机构可持续发展的实证分析

Empirical Analysis of Microfinance's Sustainable Development in Anhui

安徽省微型金融在最近几年迅速发展,然而微型金融机构是否能够做到可持续发展是安徽省微型金融机构今后发展中面临的一个挑战。选取安徽省农村商业银行2013年的样本数据作为研究对象,对比全国其他城市的农村商业银行,通过描述性统计分析和因子实证分析,结果表明安徽省农村商业银行的可持续发展能力不高,规模小、盈利能力低等因素制约着农商行的可持续发展能力。

Anhui microfinance in recent years has made rapid development, but whether microfinance institutions can achieve sustainable development is a challenge for the future. This paper made comparison between sample.data of rural commercial banks in Anhui in 2013 with those of rural commercial banks in other cities nationwide. By descriptive statis- tics and factor analysis, the results show that the capacity for sustainable development of commercial banks in rural areas of Anhui is not high, and that small-scale, low profitability hinder the sustainable development of rural commercial banks.