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本文在业已论证的金融环境对微贷工作绩效影响机理的基础上,拓展了一套“影响小微贷款客户经理工作绩效的金融内环境量表问卷”。通过对全国二十八家新型农村金融机构从事小微企业贷款的客户经理作为调查样本,对影响小微贷款客户经理工作绩效的金融内环境进行探索性因子分析得出五因子结构模型,并在验证性因子分析中得到验证。
Based on the demonstrated mechanism of the impact of the financial environment on the performance of micro-loans, this paper expands a set of “questionnaires on the financial internal environment that affect the performance of micro-loan clients.” Through investigating the client managers engaged in loans to small and micro-enterprises in 28 new-type rural financial institutions across the country as a sample of the survey, the five-factor structural model is derived from the exploratory factor analysis of the financial internal environment that affects the performance of small and micro loan managers. Confirmatory factor analysis was verified.