CAJ | 학술논문

通过数学模型分析发现客户风险鉴别能力是影响微型金融机构是否会发生目标偏移的一个重要因素。文章以贫困覆盖广度指标、贫困覆盖深度指标和贫困覆盖质量指标来对两种不同类型的公司进行实例分析。结果表明，客户风险鉴别能力高低是导致两家公司目标偏移程度巨大差别的重要原因；最后，提出一些缓解目标偏移的对策。
통과수학모형분석발현객호풍험감별능력시영향미형금융궤구시부회발생목표편이적일개중요인소。문장이빈곤복개엄도지표、빈곤복개심도지표화빈곤복개질량지표래대량충불동류형적공사진행실례분석。결과표명，객호풍험감별능력고저시도치량가공사목표편이정도거대차별적중요원인；최후，제출일사완해목표편이적대책。
By employing a mathematical model,we find that the ability to identify client risk is an important factor which af?fects whether there will be the mission drift in microfinance institutions. We make an empirical analysis on two different types of companies based on three dimensions of poverty coverage index:breadth, depth and quality. The results show that the level of ability to identify client risk results in the great differences of the two companies on the mission shift. Finally,we put forward some countermeasures to tackle this problem.