摘要我国从2005年开始进行小额贷款公司的试点工作，经过近十年的发展，截至2015年末，全国共有8910家小额贷款公司，贷款余额9412亿元。但目前我国小额贷款公司的发展仍处于探索阶段，模糊的定位和监管不力制约了整个小额信贷行业的发展。小额贷款公司能否实现可持续发展一直备受关注，研究小额贷款公司的可持续发展有助于探索适合小贷公司的发展策略和发展方向。

本文选择鑫庄农村小额贷款股份有限公司作为具体的研究对象，对其经营现状进行分析。本文重点运用世界银行扶贫协商组织（CGAP）在研究小额信贷机构可持续性时采用的指标体系，对鑫庄公司的可持续性从财务、利率和覆盖面三个方面进行研究，并将研究结果同小额信贷信息交流中心（MIX）对小额信贷机构研究结果进行对比分析。通过以上分析找出鑫庄公司在可持续发展中存在的问题，并对原因进行探究。最后提出相应的建议，找出适合鑫庄公司的发展道路。78945

毕业论文关键词  小额信贷机构  可持续性  CGAP指标体系

毕 业 论 文 外 文 摘 要

Title  Research on the Sustainable Development of Microfinance Company Under the CGAP Index : in XinZhuang's Case     

Abstract China began to carry out the pilot work of microfinance companies since 2005。After  nearly ten years of development, there were a total of 8910 microfinance companies, and the balance of loans was 941 billion 200 million yuan by 2015。 But at present, China's microfinance company is still in the exploratory stage。 Microfinance company's blurry positioning and poor supervision restrict the development of the entire microfinance industry。 Whether microfinance companies can achieve sustainable development or not has been concerned。 Research on the sustainable development of microfinance companies is helpful to explore the development strategy and the development direction for microfinance companies。

The Xin Zhuang rural microfinance Limited by Share Ltd as the research object, this paper analyzes the present situation of its business。 The emphasis of this paper is studying on the sustainability of Xin Zhuang rural credit from the aspects of finance performance, interest rates and coverage with the index system adopted by Consultative Group to Assist the Poor (CGAP) When studying the sustainability of microfinance institutions。 Make comparative analysis between the result of the study on microfinance institutions by MIX and the result of the study on Xin Zhuang rural credit。 Find out the existing problem in the sustainable development of Xin Zhuang rural credit through the above analysis, and explore the reasons。 Finally, put forward the corresponding suggestions to find the road of development that is suitable for the company。

Keywords  microfinance institutions   sustainability   CGAP index system

目   次

1绪论1

1。1研究背景和意义1

1。2研究内容和方法2

2小额贷款机构可持续性的相关理论基础4

2。1相关概念4

2。2相关理论5

2。3国内外文献综述5

3 CGAP可持续性分析的指标体系 8

3。1可持续性的财务分析指标8

3。2可持续性的利率分析指标8

3。3小额信贷覆盖面评价指标 9

4鑫庄农村小额贷款股份有限公司概况 10

4。1鑫庄农村小额贷款股份有限公司简介 10

4。2鑫庄农村小额贷款股份有限公司现状 10

5 CGAP指标体系下鑫庄农村小额贷款公司的可持续性分析12

5。1鑫庄公司可持续性的财务分析 12

5。2鑫庄公司可持续性的利率分析 14

5。3鑫庄公司服务覆盖面分析16