山东省金融机构行业信贷资金配置效率研究——基于DEA模型的实证分析  

Research on the Allocation Efficiency of Credit Funds in Financial Institutions in Shandong Province--Empirical Analysis Based on DEA Model

作　　者：吴越 孙继国[1] WU Yue;SUN Ji-guo(School of Economics,Qingdao University,Qingdao 266061,China)

机构地区：[1]青岛大学经济学院,山东青岛266061

出　　处：《青岛农业大学学报（社会科学版）》2020年第1期30-34,共5页Journal of Qingdao Agricultural University(Social Science)

基　　金：山东省社科规划研究项目重大委托课题“发展先进制造业与山东新旧动能转换研究”(18AWTJ53);青岛市哲学社会科学规划项目“青岛市新旧动能转换的金融支持路径研究”(QDSKL1801079)。

摘　　要：基于DEA模型对山东省金融机构行业信贷资金配置效率进行实证分析,研究发现:除房地产业外,第三产业各行业的信贷资金配置效率基本高于第二产业。工业作为第二产业的核心产业,其信贷资金配置效率不高。尽管房地产业信贷资金投入较大,但其信贷资金配置效率极低。在此基础上,本文提出加强产业政策和信贷政策之间的协调配合、调整和优化信贷结构、控制信贷资金过度流向房地产领域的建议。Based on DEA model,this paper makes an empirical analysis on the allocation efficiency of credit funds in financial institutions in Shandong province.The study shows that,except for the real estate industry,the allocation efficiency of credit funds in the tertiary industry is basically higher than that in the secondary industry.As the core industry of the secondary industry,the allocation efficiency of credit funds is not high.Although the real estate credit capital input is large,its credit capital allocation efficiency is extremely low.On the above studies, this paper puts forward Suggestions to strengthen the coordination between industrial policies and credit policies, adjust and optimize the credit structure, and control the excessive flow of credit funds to the real estate sector.

关 键 词：信贷资金 配置效率 DEA模型 

分 类 号：F832[经济管理—金融学]