砀山县农信社支农效率分析

发布时间：2018-04-22 09:30

本文选题：农信社 + DEA模型　；参考：《安徽大学》2013年硕士论文

【摘要】：2013年中央一号文件再次聚焦“三农”,这是继2003年以来中央第十个以“三农”为主题的一号文件,可见中央对三农问题的重视。作为农村经济的核心主体,金融机构如何发挥自己的优势在改变农村产业结构、提高农民收入、促进农村经济增长中贡献自己的一份力量,一直以来都是国内外关注的话题。国内都是在宏观层面上对农村金融支农进行研究,主要表现为对我国农村金融在支农中存在的问题及解决对策进行研究,缺乏在微观层面上的具体分析。本文以某个具体县——砀山县为例来研究砀山县农信社在改革前后支农效率的变化及有效程度。衡量砀山县农信社近年来支农效率以及影响这些效率的因素,对砀山县农信社改革前后的支农效果进行研究具有重要的意义,对砀山县农信社以及全国其它类似砀山县农村经济的县域农信社都有很好的借鉴意义。文章首先对农村金融支农的一些概念进行了阐述,并通过农村金融的理论来指导文章,接着介绍了砀山县农信社及砀山县经济的基本情况并对砀山县农村金融的供给和需求进行了详细分析,然后利用DEA模型对砀山县农信社支农效率进行分析,TOBIT模型对影响支农效率的因素进行分析,最后提出提高农信社支农效率及砀山县农村金融整体水平的建议和政策。本文实证部分首先是确定投入和产出指标,然后运用DEA模型测度砀山县农信社支农效率,DEA模型结果显示：虽然1998年-2012年之间只有2012年砀山县农信社的支农效率达到了有效状态,其他年份均为非有效状态,但是农信社近年来支农力度在逐渐增加,支农效率也在逐渐提高,主要表现在技术效率和规模效率都有可提升的空间。接着运用TOBIT模型分析了影响农信社支农低效率的因素,TOBIT实证结果表明：农村经济的发展、农信社的资产质量以及农信社支农覆盖面与支农效率成正相关关系,储蓄存款占比与支农效率呈负相关关系。
[Abstract]:In 2013, the first document of the Central Committee once again focused on "agriculture, countryside and farmers", which was the 10th document with the theme of "agriculture, rural areas and farmers" as the theme of the Central Committee since 2003, which shows that the Central Committee attaches importance to the issue of agriculture, rural areas and farmers. As the core subject of rural economy, how to exert its advantages in changing the rural industrial structure, raising farmers' income and promoting rural economic growth has always been a topic of concern both at home and abroad. In China, the research on supporting agriculture in rural finance is carried out on the macro level, which is mainly manifested in the study of the problems and solutions of rural finance in supporting agriculture in China, and the lack of concrete analysis on the micro level. This paper takes a concrete county-Dangshan County as an example to study the change and effective degree of the agricultural support efficiency of the Dangshan Rural Credit Cooperative before and after the reform. It is of great significance to measure the agricultural support efficiency of Dangshan Rural Credit Cooperative in recent years and the factors that affect these efficiency, so it is of great significance to study the effect of supporting agriculture before and after the reform of Dangshan Rural Credit Cooperative. Dangshan County Rural Credit Cooperative and other similar Dangshan County rural economy county rural credit cooperatives have a good reference significance. Firstly, the paper expounds some concepts of supporting agriculture in rural finance, and guides the article through the theory of rural finance. Then it introduces the basic situation of Dangshan Rural Credit Cooperative and Dangshan County economy, and analyzes the supply and demand of Dangshan County's rural finance in detail. Then the DEA model is used to analyze the agricultural support efficiency of Dangshan Rural Credit Cooperative. Finally, the suggestions and policies to improve the agricultural support efficiency and the overall level of rural finance in Dangshan County are put forward. The empirical part of this paper is to determine the input and output indicators, and then use the DEA model to measure the agricultural efficiency of Dangshan Rural Credit Cooperative. The results show that: although between 1998 and 2012, only Dangshan County Rural Credit Cooperative's agricultural support efficiency reached an effective state between 1998 and 2012. The other years are all non-effective, but in recent years, the agricultural credit cooperatives have gradually increased their efforts to support agriculture, and the efficiency of agricultural support has been gradually improved, mainly in the technical efficiency and scale efficiency can be improved. Then using TOBIT model, the paper analyzes the factors that affect the low efficiency of supporting agriculture of RCCs. The empirical results show that: the development of rural economy, the quality of RCCs' assets and the coverage of RCCs' agricultural support are positively related to the efficiency of supporting agriculture. The proportion of savings deposits is negatively related to the efficiency of supporting agriculture.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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