安徽省涉农贷款配置效率评价及其影响因素分析——基于DEA-Tobit模型  

Evaluation of Allocation Efficiency of Agriculture-related Loans in Anhui Province and Analysis of its influencing Factors——Based on DEA-Tobit Model

作　　者：杜彩金 王晓润[1] 聂岸超 DU Cai-jin;WANG Xiao-run;NIE An-chao(School of Economics and Management,Anhui Agricultural University,Hefei 230036,China;College of Mechanical Engineering and Transportation,Southwest Forestry University,Kunming 650000,China)

机构地区：[1]安徽农业大学经济管理学院,安徽合肥230036 [2]西南林业大学机械与交通学院,云南昆明650000

出　　处：《太原学院学报（社会科学版）》2023年第3期45-59,共15页Journal of Taiyuan University(Social Science Edition)

基　　金：安徽省教育厅“六卓越一拔尖”项目(2020zyrc061)。

摘　　要：涉农贷款配置效率及其影响因素的研究有利于实现农村金融资源的合理配置,为乡村振兴提供强有力的资金保障。运用DEA-BCC模型和Malmquist指数模型对安徽省各地级市的涉农贷款配置效率进行时空分析的基础上,利用DEA-Tobit模型进行影响因素回归分析。结果表明:安徽省各地级市的涉农贷款配置效率整体上较高,但各市差异较大,而且由于技术进步的推动,近年来配置效率正处于上升的趋势。产业结构、城乡差异、政府支农政策、金融相关率、农村金融发展程度、银行中介能力都会对涉农贷款配置效率产生影响。据此,应通过金融机构管理、技术创新,减小城乡差距等手段提高涉农贷款配置效率。The study on the allocation efficiency of agriculture-related loans and its influencing factors is beneficial to achieve rational allocation of rural financial resources which is a strong financial support for rural revitalization.Based on the spatial-temporal analysis of the allocation efficiency in each prefecture-level city of Anhui Province with DEA-BCC model and Malmquist index model,the Tobit model was used to conduct regression analysis of the influencing factors.The results show that the allocation efficiency in prefecture-level cities of Anhui Province is high overall,but varies widely among cities,and is on an upward trend in recent years due to the impetus of technological progress.Factors like industrial structure,urban-rural differences,government policies to support agriculture,financial relevance rate,degree of rural financial development,and bank intermediary capacity all have an impact on the allocation efficiency.Accordingly,it should be improved by means of financial institution management,technological innovation,and the urban-rural gap.

关 键 词：涉农贷款 效率分析 影响因素 DEA-TOBIT模型 

分 类 号：F832.43[经济管理—金融学]