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首页> 外文期刊>The quarterly review of economics and finance >Which types of microfinance institutions decentralize the loan approval process?
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Which types of microfinance institutions decentralize the loan approval process?

机译：哪些类型的小额信贷机构分散了贷款审批流程？

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Which characteristics of microfinance institutions affect the choice of a decentralized loan approval process? That is the main question this article attempts to answer. A second concern is whether the choice of allocating the loan approval decision to the loan officer enables a microfinance institution to expand its number of loans and improve its loan portfolio quality after controlling for the endogeneity of the choice of decentralizing the loan approval. To achieve this goal, we study an independently pooled cross-section sample of 362 assessment reports for 267 MFIs from 2001 to 2012 across 67 countries. Results suggest that size, cooperative status, and solidarity lending are MFI-level variables that affect the likelihood of choosing a decentralized loan approval process. Allocating the decision-making authority to the loan officer improves MFIs’ breadth of outreach (the number of active borrowers) but does not affect the size of the loan portfolio and does not deteriorate their loan portfolio quality.
机译：小额信贷机构的哪些特征会影响分散贷款批准程序的选择？这是本文试图回答的主要问题。第二个问题是，在控制分散贷款批准选择的内生性之后，选择将贷款批准决定分配给贷款官员是否使小额信贷机构能够扩大其贷款数量并改善其贷款组合质量。为了实现这一目标，我们研究了2001年至2012年间67个国家/地区的267个小额信贷机构的362个评估报告的独立汇总横截面样本。结果表明，规模，合作状态和团结贷款是MFI级别的变量，这些变量会影响选择分散式贷款批准程序的可能性。将决策权分配给信贷员可以提高小额信贷机构的服务范围（活跃借款人的数量），但不会影响贷款组合的规模，也不会降低其贷款组合的质量。

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