小额贷款公司的使命偏移及其有效治理--基于江浙两省相关统计数据

摘要

我国设立小额贷款公司的政策初衷是服务“三农”和低收入群体。文章首先设计出小额贷款公司使命偏移的衡量标准，然后以江苏、浙江两省小额贷款公司为主要数据来源，用设定的衡量标准来考察其使命偏移情况，认为其提供的贷款额度和服务对象已经偏离了政府设立小额贷款公司的政策初衷，离农现象十分明显，出现使命偏移问题。最后提出相关政策建议，以期有效治理小额贷款公司的使命偏移。%The original orientations for microfinance corporations are for agriculture, countryside and farmers, and peo-ple of low-income. This essay firstly puts forward the reference standards of mission drift of microfinance corporations, and then takes such companies in Jiangsu and Zhejiang as data sources. The research reveals that the loan commitments and service objects have already been changed. Meanwhile, this essay proposes some suggestions for the correction of deviation, so as to make full use of microfinance corporations.