信贷可获性对农村中小企业技术效率的影响  

Effect of Credit Availability on Technical Efficiency of Rural Small- and Medium-sized Enterprises

作　　者：周月书[1,2] 彭运雷 

机构地区：[1]南京农业大学金融学院,江苏南京210095 [2]南京农业大学江苏农村金融发展研究中心,江苏南京210095

出　　处：《南京农业大学学报（社会科学版）》2014年第2期50-57,共8页Journal of Nanjing Agricultural University(Social Sciences Edition)

基　　金：国家自然科学基金青年项目“农村金融制度供给变化下的农村中小企业信贷可获性研究”(71103089);江苏省哲学社会科学重点研究基地重大项目“农村金融制度供给变化下农村资金配置与金融创新研究”(2012JDXM007);南京农业大学人文社科重大招标项目“江苏农村金融发展报告”(2012SKZD04)

摘　　要：通过对江苏省农村中小企业的实地抽样调查,首先运用DEA方法测算了样本农村中小企业的技术效率、纯技术效率和规模效率,进而运用Tobit模型分析了信贷可获性对样本企业技术效率的影响。研究结果表明:农村中小企业的技术效率偏低,其主要原因是纯技术效率过低;农村中小企业仍然存在一定的融资约束,且信贷可获性对企业技术效率有着显著的正向影响;实证结果进一步发现,企业年龄、原材料成本、资产投入、职工投入、研发人员比重、资产负债率等也是影响农村中小企业技术效率的主要因素。Based on the survey of the small-and medium-sized enterprises（SMEs）in the rural areas of JiangsuProvince,the paper measured the technical efficiency,pure technical efficiency and scale efficiency of the SMEswith the method of DEA,and analyzed the determinants of technical efficiency based on the perspective of creditavailability by Tobit model. The results showed that the technical efficiency of SMEs in rural areas is low,which ismainly caused by the low pure technical efficiency;the financing constraints still exists in the SMEs,and thecredit availability has a significant positive influence on the technical efficiency. Furthermore,the age,raw materi-al costs,investment in assets and workers,the proportion of R＆D personnel,liability ratio are also closely relatedwith the technical efficiency.

关 键 词：农村中小企业 技术效率 信贷可获性 DEA鄄Tobit 

分 类 号：F830.6[经济管理—金融学]