社会网络与微型金融可持续发展：一项基于商业银行调查数据的实证研究
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| Title | Social Network and the Sustainable Development of Microfinance in China
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| 作者 | 苏冬蔚 陈纯纯 许振国 李斌 |
| Author | Su Dongwei, Chen Chunchun,Xu Zhenguo and Li Bin |
| 作者单位 | 暨南大学经济学院 |
| Organization | Jinan University |
| 作者Email | dongweisu@gmail.com |
| 中文关键词 | 社会网络 微型金融 普惠金融 小额信贷 商业银行 |
| Key Words | Social network, Microfinance, Inclusive financial system, Microcredit loans, Commercial banks |
| 内容提要 | 如何在普惠金融模式下实现微型金融的社会绩效与可持续性一直是社会科学亟待解决的难题之一。本文首次运用社会网络分析，从结构属性、网络类型以及关系性质三个层面共九个维度构建社会网络指标体系，然后通过银行网点的问卷调查，获取316份有效问卷数据，在此基础上考察社会网络对商业银行微型金融社会绩效与可持续性的影响，发现网络类型和关系性质有助于改善微型金融的社会绩效，其中情感性网络和支持性网络可显著增加小额信贷笔数，商业性网络可降低人均贷款额并提高小额信贷利息收入，关系性质有助于增加人均贷款额，但结构属性则没有显著影响。结果表明，金融机构应积极拓展社会网络资源并与利益相关者构建互信互惠的长期合作关系，才能不断促进微型金融业务的创新、推动普惠金融体系的可持续发展并优化社会资源的配置效率。 |
| Abstract | How to improve social performance and sustainability of microfinance towards an inclusive financial system has been an unresolved problem in social sciences. This paper is one of the first to apply social network analysis to studies of microfinance development. Building a set of 9 indicators grouped undernetwork structure, network types and relationship attributes, we create an innovative measure of social network for commercial banks. Then we obtain data from 316 valid questionnaires through surveys among subsidiaries of a major commercial bank in Guangzhou, China. We seek answers on whether and to what extent social networks affect social performance and sustainability of microfinance development. We find that both network types and relationship attributes help improve social performance of microfinance. In particular, friendship network and supportive network are positively related to the number of microfinance loans, commercial network is negatively related to the amount of microfinance loans per person but positively related to the income from microfinance loans. In addition, relationship attributes help increase the per capita microfinance loans. However, network structure doesn’t affect the social performance and sustainability of microfinance. Our results indicate that by actively expanding social network resources and establishing mutually beneficial long-term trust with all stakeholders, financial institutions can continue to provide innovative products to support sustainable development of microfinance and improve allocative efficiency of the society and economy. |
| 文章编号 | WP1229 |
| 登载时间 | 2017-10-11 |
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