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关系型贷款、市场结构与小额贷款公司使命漂移
Mission drift in small loan companies from the perspective of relationshiplending and market structure
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中文关键词  小额贷款公司; 关系型贷款; 市场结构; 使命漂移
英文关键词  small loan companies; relationship lending; market structure; mission drift
基金项目  国家社会科学基金资助项目( 14XJY018)
学科分类代码  
作者单位
翁舟杰 西南财经大学金融学院,成都611130 
中文摘要
      我国小额贷款公司发展极为迅速,但小微企业融资难问题依然严峻,小额贷款公司存在着显著的使命漂移.对于微型金融机构的使命漂移问题,大量的研究主要以财务可持续性为视角.本文结合关系型贷款理论和市场结构理论并构建理论模型,以一个新的视角分析我国小额贷款公司的使命漂移问题,证明了开展关系型贷款和提升小额贷款市场的竞争程度均有利于小额贷款公司发放更多的小额贷款,增加小微企业等融资主体的信贷可得性,从而避免使命漂移.进一步的,通过对一个代表性城市小额贷款公司的相关数据分析,认为小额贷款公司使命漂移的内在原因是关系型贷款技术运用不足和小额贷款市场竞争程度较低.
英文摘要
      The industry of Small Loan Companies ( SLCs) is developing very fast in China,but the problem of financing difficulties of Small and Micro Businesses is still serious because of Mission Drift in SLCs. Most studies examine Mission Drift from the perspective of financial sustainability; this paper intends to investigate it from the perspective of Relationship Lending and Market Structure. By building a theoretical model,it finds that relationship lending and a competitive market structure are desirable,if SLCs are to supply more loans to satisfy the demand of Small and Micro Businesses and avoid Mission Drift. Furthermore,the paper analyzes SLCs in a representative municipal area of China,and believes that the reason of Mission Drift is insufficient use of the technology of relationship lending by SLCs,and the highly monopolized microcredit market.
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