Establishment of Comprehensive Evaluation Indicator System for Sustainable Development of Microcredit and Empirical Analysis

• 作者: LUO He-hua YANG Di-hang
• 来源期刊: 亚洲农业研究：英文版
• 学科: 经济
• 关键词: MICRO-CREDIT Sustainable development INDICATOR SYS
• 年，卷（期）: 2012,（11）
• 页码范围: 106-110
• 页数: 5页
• 分类号: F832.4

摘要

We establish the comprehensive evaluation indicator system for sustainable development of micro-credit,constituted by the profitability ratio,financial constitution ratio,loan quality ratio and operating efficiency ratio.Taking the case of micro-credit of China Foundation for Poverty Alleviation,we measure the current situation of sustainable development of micro-credit.As far as we are concerned,the composite index of sustainable development of micro-credit shows the growth trend on the whole.Finally,in order to further improve the sustainable development of microcredit,provide farmers with better financial services and enable more farmers to benefit from micro-credit,we put forth the following recommendations:strengthening technological innovation to reduce costs and improve operating efficiency and profitability of the micro-credit;strengthening risk control to improve the quality of loans;providing all-around non-financial services to lay the foundation for the sustainable development of microcredit;setting an appropriate level of interest rates to improve the profitability of the institutions.