小额贷款公司综合效率评价及影响因素分析——基于陕西省实地调研数据的验证  

Analysis on the Overall Efficiency of Small-loan Companies and Its Determinants——Based on Verification of Field Research Data in Shaanxi

作　　者：游龙[1] 罗剑朝[1,2] 

机构地区：[1]西北农林科技大学经济管理学院,陕西杨凌712100 [2]西北农林科技大学农村金融研究所,陕西杨凌712100

出　　处：《软科学》2014年第12期79-83,共5页Soft Science

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

摘　　要：运用DEA-Tobit模型对小额贷款公司的综合效率及其影响因素进行实证分析。结果表明:小额贷款公司综合效率整体不高,且差异较为明显;规模效率是决定综合效率的关键,且小额贷款公司具有比较明显的投入冗余特征;贷款规模和资产规模对小额贷款公司综合效率有显著影响;小额贷款公司支农业务对综合效率的影响并不明显,且发展目标偏离有扩大的趋势,但支农产生的贷款成本增加并非必然导致综合效率降低,继续发展其支农业务是可行的。Using DEA-Tobit model to research the overall efficiency and its determinants of small-loan companies. The results show that the overall efficiency of small-loan companies is not high,and the differences are obvious,scale efficiency is the main factor deciding it,and small-loan companies have more obvious redundant features on input. Loan size and asset size have significant impact on the overall efficiency. The effect on supporting agriculture is not obvious,and the target deviation of development trends to expand. While the increased costs incurred by supporting agriculture are not necessarily leading lower overall efficiency,the continuation of agriculture business is necessary to develop rural finance and economy.

关 键 词：小额贷款公司 综合效率 DEA-TOBIT模型 

分 类 号：F830.5[经济管理—金融学]