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小额贷款机构(简称MFI)是兼具社会性和持续性的机构,小额贷款的还款率对于MFI具有重要的作用,只有提高了还款率,才能保证MFI的持续性,降低小额贷款管理成本,降低利率,为更多的穷人服务,实现其脱贫的社会目标。本文通过对广州小额担保贷款数据的分析,寻求我国城市小额贷款还款率的影响因素,为MFI提供可用于实践的思路和方法。
Microfinance institutions (MFIs) are both social and sustainable institutions. The repayment rate of microfinance plays an important role in the MFI. Only by increasing the repayment rate can the MFI’s sustainability be maintained and the small amount Lending management costs, lower interest rates, to serve more poor people, to achieve their social goals of poverty alleviation. In this paper, the author analyzes the influencing factors of repayment rate of micro-loans in urban areas in China by analyzing the data of micro-secured loans in Guangzhou, and provides the MFI with ideas and methods that can be used in practice.