农户征信制度运行绩效评价——来自湖北省农村信用社的数据  

Assessment on the Operating Performance of the RHCRS——Data from Hubei Provincial Rural Credit Cooperatives

作　　者：田杰[1] 熊学萍[1] 李淑华[2] 

机构地区：[1]华中农业大学经济管理学院,湖北武汉430070 [2]华中农业大学理学院,湖北武汉430070

出　　处：《征信》2010年第5期1-5,共5页Credit Reference

基　　金：国家社会科学基金资助项目(08CJY045)

摘　　要：运用DEA/EFA对湖北省28个县(市)农村信用社的农户征信制度总体运行效率和建设水平进行分析和评价后发现:农户征信制度技术效率总体偏低。其原因在于农户征信制度建设投入偏低和资源配置效率不高。因此,应加大农户征信制度建设投入,完善机制,推动农户征信制度建设。By applying the DEA / EFA to the analysis and assessment on the overall operating efficiency and con- struetion level of the rural household credit reference system （RHCRS） in the rural credit cooperatives from 28 coun- ties （or cities）in Hubei province, we find that the RHCRS is technically and generally in low efficiency. The reason lies in lower input for the RHCRS building and inefficient resource allocation. Therefore, it＇ s necessary to increase input in the construction of the RHCRS, and to establish a sound mechanism for promoting the RHCRS.

关 键 词：征信制度 绩效评价 信贷市场 

分 类 号：F832.1[经济管理—金融学]