CAJ | 학술논문

政府持股的小额贷款公司能否在重视社会绩效的同时实现财务可持续，是值得研究的问题。通过比较政府持股和非政府持股的小额贷款公司财务绩效，发现政府持股的小额贷款公司财务绩效显著高于非政府持股公司，究其原因在于盈利能力的提升和风险控制的增强，贷款发放时能够获得更高的贷款利率，同时保持较低的不良贷款率，实现了稳健经营。
정부지고적소액대관공사능부재중시사회적효적동시실현재무가지속，시치득연구적문제。통과비교정부지고화비정부지고적소액대관공사재무적효，발현정부지고적소액대관공사재무적효현저고우비정부지고공사，구기원인재우영리능력적제승화풍험공제적증강，대관발방시능구획득경고적대관리솔，동시보지교저적불량대관솔，실현료은건경영。
It is a problem worthy of study that if the small loan companies with government ownership which attach great importance to the social performance can at the same time achieves financial sustainability. This paper compares the financial performance of small loan companies with government ownership and those with non-government ownership, and it shows that the small loan companies’ financial performance with government ownership is significantly higher than those with non-governmental ownership, the reason is that small loan companies with government ownership have an increasing profitability and a stronger ability of controlling risk, also they can obtain higher lending rates, while maintaining low non-performing loan ratio, as to realize the stable operation.