所有权对微型金融机构财务绩效和覆盖面的影响

摘要

利用85个国家600家微型金融机构2001—2014年的数据系统考察微型金融机构的所有权类型对其财务绩效和覆盖面的影响,研究发现:非政府组织微型金融机构与营利性微型金融机构在财务绩效表现方面并未存在显著差异;在覆盖面上,非政府组织微型金融机构所发放的平均贷款额较小,对女性群体的覆盖比例较高,在满足大量有小额贷款需求的客户方面表现良好,在实现微型金融机构扶贫目标方面表现突出.在不同所有权类型的微型金融机构中,非政府组织微型金融机构能更好地兼顾财务绩效和覆盖面.%Using the data system of 600 MFIs in 85 countries from 2001 to 2014, this paper examines the impact of ownership types of MFIs on their financial performance and outreach.The results indicate that NGOs MFIs do not have different financial performance from For-profit MFIs.In terms of outreach, the average amount of loans issued by the micro-financial institutions is smaller, and the NGOs MFIs socially perform better than other MFI ownership types in satisfying a higher proportion of female borrowers and a large number of customers demand for micro-credit with lower average loan balance.What's more, the NGOs MFIs play a leading role in achieving the goal of poverty alleviation.In the micro-financial institutions with different ownership types, the micro-financial institutions can better take into account the financial performance and outreach.