中文摘要：

本文采用随机边界模型对MFI成本效率和管理效率的影响因素进行研究发现，提高女性客户的占比、根据机构自身的业务特点优化要素投入、提高机构的信息披露程度、增加贷款总额都可以在精准扶贫的同时，通过降低成本、提高管理效率，实现机构本身的盈利。通过这些选择性的运行机制，MFI的社会性和持续性目标可以实现机构内部的统一，获得长足发展。

英文摘要：

In this paper, we use Stochastic Frontier Analysis model in the process of research and find that im- proved proportion of female customers, optimaized input factors according to the business characteristics of the MFIs, improved total amount of loan could be achieved through reducing costs and raising efficiency. Based on these selective operational mechanisms, MFI＇s social and sustainable goals can reach the internal unity and gain the lonf-term develop- ment.