小额贷款公司贷款农户的生产技术效率分析  

Empirical Analysis Microfince Corporation's Farmer Technical Efficiency——Based on ISDF Model

作　　者：黎毅[1] 罗剑朝[1] 房启明 

机构地区：[1]西北农林科技大学经济管理学院,农村金融研究所,陕西杨凌712100

出　　处：《西北农林科技大学学报（社会科学版）》2014年第6期96-102,共7页Journal of Northwest A&F University(Social Science Edition)

基　　金：教育部"长江学者和创新团队发展计划"资助的创新团队项目(IRT1176);国家自然科学基金面上项目(71073126);高等学校博士学科点专项科研基金课题(20100204110030)

摘　　要：选取2011年陕西省渭南市14个小额贷款公司和337个样本农户的截面数据,运用ISDF模型对农户的生产技术效率进行实证分析。结果显示:以小额贷款公司为单位的农户平均生产技术效率差异不大,但个体差异较为明显;小额贷款公司员工文化程度、服务态度、贷款便利程度、利率水平和政策宣传均正向影响农户生产技术效率;支农低效的小额贷款公司在某种程度上存在着支农目标偏移现象。针对以上结果,分别从小额贷款公司和地方政府两个方面给出相关建议。Empirical analysis was done on farmers＇ technical efficiency by using ISDF model with the data of 14 microfince corporation and 337 farmers receiving in Weinan city,Shaanxi Province.The results showed that there was little difference in farmers＇ average technical efficiencies in terms of small loan companies but obvious among individual farmers.Employees＇ education,service attitudes,convenience of credit,interest rate,and policy communication could affect farmers＇ technical efficiencies positively.Those microfince corporation with relatively low efficiency in supporting farmers have steered away from their goals.Corresponding suggestions are proposed from both microfince corporation and local government.

关 键 词：小额贷款公司 农户 生产技术效率 ISDF 

分 类 号：F323.9[经济管理—产业经济]