小额信贷客户地域差异与目标偏移

doi:10.16381/j.cnki.issn1003-207x.2020.0681

中国管理科学 ›› 2023, Vol. 31 ›› Issue (6): 122-130.doi: 10.16381/j.cnki.issn1003-207x.2020.0681

小额信贷客户地域差异与目标偏移

李立平¹, 伍思健², 周勇³, ⁴

1.浙江树人学院经济与民生福祉学院，浙江杭州310015；2.广西统计局，广西南宁，530002；3.统计与数据科学前沿理论及应用教育部重点实验室，上海 200062； 4.华东师范大学经管学部，上海200062

收稿日期:2020-04-15 修回日期:2020-08-25 出版日期:2023-06-20 发布日期:2023-06-17
通讯作者: 周勇(1964-)，男(汉族)，广西人，华东师范大学经济与管理学部，教授，研究方向：金融计量、风险管理,Email: yzhou@amss.ac.cn. E-mail:yzhou@amss.ac.cn
基金资助:
国家自然科学基金资助重点项目(71931004);中央高校基本科研业务费专项资金资助项目(CXJJ2019408)

Regional Difference of Microfinance Clients and Microfinance Mission Drift

LI Li-ping¹, WU Si-jian², ZHOU Yong³, ⁴

1. School of Economics and Social Welfare, Zhejiang Shuren University, Hangzhou 310015 China;2. Guangxi Bureau of Statistics, Nanning 530002 China; 3. Key Laboratory of Advanced Theory and Application in Statistics and Data Science, Ministry of Education, Shanghai 200062, China;4. Department of Economics and Management, East China Normal University, Shanghai 200062, China

Received:2020-04-15 Revised:2020-08-25 Online:2023-06-20 Published:2023-06-17
Contact: 周勇 E-mail:yzhou@amss.ac.cn

摘要/Abstract

摘要： 小额信贷机构脱离了本应服务的贫困客户群体，称为目标偏移。如果服务于贫困客户群体的小额信贷对不同地域客户采取差异性信贷行为，同样将导致目标偏移。本文通过构建理论模型并依据四川省仪陇县乡村发展协会的数据，运用Probit模型，展开客户地域差异引起的目标偏移的研究。小额信贷机构对客户“地域差异”与“还贷能力”可做出替代性选择，小额信贷机构不违背扶贫的社会宗旨，不抛弃还贷能力弱的贫困客户，但为规避违约风险，抛弃贫困客户中违约风险高的农村客户，保留其中违约风险低的乡镇客户，由此导致地域差异带来的目标偏移。信贷额差异的拉大，最终导致同为贫困客户群体的乡镇客户与农村客户的收入差距拉大。本研究有助于小额信贷机构进一步规避目标偏移，纠正小额信贷开展中存在的偏差，实现扶贫的社会目标。

关键词: 目标偏移；地域差异；违约风险模型；小额信贷

Abstract: MFIs’ mission drift may be caused by regional difference. Our general understanding of mission drift is that MFIs choose wealthy clients over poor ones. The problem of mission drift caused by the regional difference which is covered by the conventional mission drift is analyzed.

Key words: mission drift; clients’ region difference; default risk model; microfinance

中图分类号:

李立平, 伍思健, 周勇,. 小额信贷客户地域差异与目标偏移[J]. 中国管理科学, 2023, 31(6): 122-130.

LI Li-ping, WU Si-jian, ZHOU Yong,. Regional Difference of Microfinance Clients and Microfinance Mission Drift[J]. Chinese Journal of Management Science, 2023, 31(6): 122-130.

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小额信贷客户地域差异与目标偏移

Regional Difference of Microfinance Clients and Microfinance Mission Drift

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