西部农村金融市场资金配置效率评价研究  

Research and Evaluation on Capital Allocation Efficiency of the Western Rural Financial Market

作　　者：杨希[1] 罗剑朝[1] 

机构地区：[1]西北农林科技大学经济管理学院,陕西杨凌712100

出　　处：《经济经纬》2014年第4期138-143,共6页Economic Survey

基　　金：教育部2011年长江学者和创新团队发展计划资助项目(IRT1176);国家自然科学基金项目(71073126);2010年度高等学校博士学科点专项科研基金课题(20100204110030)

摘　　要：笔者依据对杨凌区等9个乡镇实地调研数据,运用超效率DEA和Tobit回归模型分析西部农村金融市场资金配置效率水平及其影响因素。研究发现,整体上农村金融市场资金配置效率不高,且资金配置效率呈现出地域化分布特征,农户的文化程度、往返金融机构便利程度等因素显著正向影响农村资金配置效率,而农户人均收入、参与产权抵押贷款对资金配置效率产生不同程度不同方向的影响。提高农村金融市场资金配置效率的关键在于农村金融改革、开发农村人力资源、扩大农村产权抵押贷款覆盖范围。Based on the survey data of nine townships, we try to analyze the western rural financial market capital allocation efficiency and the influencing factors by using super-efficiency DEA and Tobit model. We find that the overall rural financial market capital allo- cation efficiency is low and the capital allocation efficiency shows the characteristic of localizing distribution. The four townships which do not meet the DEA efficiency are mainly located in Gaoling Area. The farmers＇ education levels and some other factors all have posi- tive effect on capital allocation efficiency. The per capital income of farmers and whether participating in property mortgage loans have different directional impact. Finally, rural financial reform is the key to improve the capital allocation efficiency.

关 键 词：农村金融 配置效率 超效率DEA TOBIT模型 

分 类 号：F832.5[经济管理—金融学]