The Goal Drift Problem Research About Micro Finance Company In Guangxi

Since the pilot of micro credit company carried out in Guangxi 2009, the micro finance industry has been rapid development with its unique mode of credit operation and innovative micro finance technology, has made certain contribution for the development of regional economy. At the same time, we also found that that the micro finance industry is faced with many difficulties:on the one hand, there are many restrict of external environment such as the position mechanism is not clear, limited of funding, government regulation is not in place and so on; on the other hand, there are also internal management problem as target drift, violence dunning, is not conducive to the sustainable development of micro finance institute. Especially the "target drift" problem, more and more scholars start to give the attention to this field, whether the micro finance company can realized the original policy of serve farmer and micro industry has become an urgent task.This paper took much time to literature research and data seeking,based on this work we take study on micro finance target drift problem. First of all, through the summarize the literatures of domestic and foreign, combing the different point of view for the research reserved, we find the right train of thought and methods; secondly, through the survey of data from Guangxi micro finance institute as the sample, based on the basic theory of micro finance, we gives an objective description on its practical operation the situation and performance social performance; then by using canonical correlation analysis with the use of Stata software, constructs an empirical model, the empirical influence factors of the micro finance target drift possible analysis results show that:the micro finance’s economic performance, micro finance technology and local financial development level can expand to single customer’s coverage, improve the social performance; fund scale serve uncertainty influence to social performance, maybe positive or be negative.According to the results of the analysis, his paper proposed some policy recommendations to promote the further sustainable management of Guangxi micro finance institute:the micro finance should continue to improve the external environment and internal management, establish the correct business target, under the premise of constantly achieve financial sustainable, and strive to improve the social service ability.