译名:
CFPA Microfinance: Social Enterprise in Transformation
学科领域:
社会企业、创业与创新、经济与金融、其他
中文关键词:
小额贷款机构、社会企业、组织变革、风险控制、合法性
英文关键词:
Microfinance Institutions, Social Enterprise, Organizational Change, Risk Control, Legitimacy
中文摘要:
本案例适用于创业、组织变革、社会企业家精神、小额贷款/小额信贷及互联网金融课程。在过去的二十年中,中国扶贫基金会下的中和农信项目管理有限公司从一个小型小额贷款项目转变为一家专业的小额贷款机构(MFI)。现在中和农信又在朝着互联网金融集团的方向迈进。作为中国最大,而且发展最为迅速的小额贷款机构,中和农信不仅是扶贫领域,也是整个社会企业领域独特的成功典范。本案例梳理了中和农信的发展历程、组织变革战略、管理运营中的挑战、组织结构以及诸如风险控制、招聘与培训、互联网金融等管理体系相关内容。学生在本案例中可以了解在中国的特殊社会情境下,社会企业特别是小额贷款机构所面临的特殊挑战。
英文摘要:
This case applies to courses on entrepreneurship, organizational change, social entrepreneurship, microfinance/ microcredit, and Internet finance. Over the last two decades, the Chinese Foundation for Poverty Alleviation’s Microfinance Management Company (CFPA-MMC) has been transformed from a small microcredit project to a professional microfinance institute (MFI), and it is now in the process of establishing itself as an Internet-based financial company. CFPA-MMC is the largest and fastest-growing MFI in China that specializes in poverty alleviation and is a uniquely successful exemplar in China’s social enterprise community. The case reviews CFPA-MMC’s history, organizational transformation strategies, operational challenges, organizational structures, and management systems such as risk control, recruitment and training, and Internet-based finance. Students are introduced to the social enterprise’s—and particularly the MFI’s—experiences in dealing with challenges specific to the social‒political context in China. This case guides students to make decisions on several issues. First, how can a social enterprise strategically change its organizational structures and systems to achieve sustainable growth? Second, how can a social enterprise handle a legitimacy crisis and win stakeholder support? Third, how can a social enterprise effectively control risk and add value to clients by adopting IT technologies? Fourth, how can a social enterprise handle the tradeoff between organizational growth and social objectives?
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