农村信用社运营效率及其影响因素的研究

发布时间：2018-01-08 01:03

本文关键词：农村信用社运营效率及其影响因素的研究　出处：《广西师范大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着近年来农村经济的高速发展,以及政府对于“三农问题”的关注,农村信用社的发展方向再次成为了学术界探讨的话题。农村经济体对金融产品的需求逐年增加,作为农村金融市场的主力军,我们应该采取什么措施保证农村信用社合理、有效地为农村经济服务呢?这是摆在我们面前亟待解决的问题。为了促使农村信用社更好的为“三农问题”提供金融支持,就需要考虑农村信用社的运营效率,寻找其影响因素和传导途径,以达到农村信用社运营效率的最大化这一最终目的。据此,本文对农村信用社运营效率展开了深入的研究,测算并评估了我国农村信用社2000-2010年间的运营效率,分析了我国农村信用社对当地农业发展的经济效应,将地区GDP、农民人均纯收入和乡镇企业增加值等变量纳入影响农信社运营效率因素的研究中,并根据一定的前提假设展开实证分析。首先,本文运用了DEAP2.1软件对规模报酬不变和规模报酬可变情况下的农村信用社运营效率进行测算,了解其在静态情况下的效率变换。结果显示：静态情况下,当规模报酬不变和可变时,我国农村信用社的技术效率和规模效率均呈现递减趋势。其次,引入Malmquist生产率指数对我国农村信用社总体运营效率进行指数分解,将其分解为技术效率指数和技术进步指数,且值为二者的乘积,其中技术效率指数是纯技术效率和规模效率的乘积。通过分地区比较可知,我国农村信用社的运营效率总体呈平稳波动趋势,其中技术进步指数对运营效率的影响较大,在东、中、西部地区的比较中可知,西部地区的运营效率略高于中、东部地区。第三,通过对农村信用社运营效率和农业产业增加值进行协整分析,以检验农村信用社运营效率对当地农业是否存在经济效应。结果显示：我国农村信用社运营效率对当地农业发展具有长期均衡的促进效应。第四,通过对农村信用社运营效率影响因素进行理论假设,针对地区GDP、农民人均纯收入和乡镇企业增加值等七个变量构建面板数据模型进行考察,并根据影响程度描绘这些影响因素的传递机制。结果显示：地区GDP、农业生产总值占GDP比重以及农民人均纯收入对农村信用社运营效率有着正向的影响,乡镇企业增加值、存贷比、地区固定资产投资额和农村信用社存款额对农村信用社运营效率有着负向的影响,其中存贷比对于运营效率的影响最大,地区GDP和固定资产投资额的影响次之。第五,在本文研究的基础上,结合我国现阶段农村信用社的发展状况提出相关政策建议,为政府和有关部门提供相应的政策参考。
[Abstract]:With the rapid development of rural economy in recent years, the government pays attention to the "three rural issues". The development direction of rural credit cooperatives has once again become a topic of discussion in academia. The demand for financial products in rural economies is increasing year by year, as the main force of rural financial markets. What measures should we take to ensure that rural credit cooperatives serve the rural economy reasonably and effectively? In order to promote the rural credit cooperatives to provide financial support for the "three rural issues", we need to consider the operational efficiency of rural credit cooperatives. In order to maximize the operational efficiency of rural credit cooperatives, the final aim is to find the influencing factors and transmission ways. Based on this, this paper carries out a deep study on the operational efficiency of rural credit cooperatives, and estimates and evaluates the operational efficiency of rural credit cooperatives in China from 2000 to 2010. This paper analyzes the economic effects of rural credit cooperatives on the development of local agriculture, and brings into the study the factors affecting the operational efficiency of rural credit cooperatives, such as regional GDP, per capita net income of farmers and added value of township enterprises. And the empirical analysis is carried out according to a certain premise hypothesis. First of all, this paper uses DEAP2.1 software to calculate the operational efficiency of rural credit cooperatives under the condition of constant scale return and variable scale reward. The results show that the technical efficiency and scale efficiency of rural credit cooperatives in our country are decreasing under the static condition when the scale return is constant and variable. Secondly, the Malmquist productivity index is introduced to decompose the overall operational efficiency of rural credit cooperatives in China, which is divided into technical efficiency index and technological progress index, and the value is the product of the two. The technical efficiency index is the product of pure technical efficiency and scale efficiency. The technical progress index has a great influence on the operation efficiency. In the comparison of east, middle and west regions, the operation efficiency of the western region is slightly higher than that of the central and eastern regions. Third, through the cointegration analysis of the operational efficiency of rural credit cooperatives and agricultural industry added value. The results show that the operational efficiency of rural credit cooperatives has a long-term equilibrium promoting effect on the development of local agriculture. In 4th, through the theoretical assumption of the influencing factors of the operational efficiency of rural credit cooperatives, the panel data model was constructed based on the seven variables of regional GDP, per capita net income of farmers and added value of township enterprises. The transmission mechanism of these factors was described according to the degree of influence. The results showed that: regional GDP. The proportion of agricultural GDP to GDP and the per capita net income of farmers have a positive impact on the operational efficiency of rural credit cooperatives, the added value of township enterprises, the ratio of savings and loans. The regional fixed assets investment and the deposit amount of rural credit cooperatives have a negative impact on the operational efficiency of rural credit cooperatives, in which the deposit-loan ratio has the greatest impact on the operational efficiency. Regional GDP and the impact of investment in fixed assets followed. 5th, on the basis of the research of this paper, combined with the current situation of the development of rural credit cooperatives in China, put forward the relevant policy recommendations for the government and relevant departments to provide the corresponding policy reference.
【学位授予单位】：广西师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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