陕西省小额贷款公司运行效率评价研究

发布时间：2018-02-27 19:39

本文关键词： 小额贷款公司运行效率统计性分析法 DEA方法 Tobit模型　出处：《西北农林科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来，随着国家对“三农”问题的关注和社会主义新农村建设的推进，我国广大农村地区发展较快，但在此过程中，有些问题却始终没得到有力解决。其中，金融服务就是我国农村发展的薄弱环节，近年来农村金融服务不到位已成为制约农村经济发展的主要问题之一。大型国有商业银行逐渐撤离农村，使得农村金融供给不足，农村中小型金融机构逐渐成为农村主要金融供给者，因此发展农村中小型金融机构成为迫切需求。小额贷款公司作为农村新型金融机构，在农村金融服务薄弱的环境下逐步发展起来，对于解决农村地区金融供给不足、网点覆盖面小、竞争不充分等问题，起到了一定的作用。但小额贷款公司发展时间短，运行问题也较明显。陕西省地处我国经济欠发达的西部地区，小额贷款公司在这样的环境下发展，受到多方面因素的影响和制约，其发展状况在一定程度上反映着当地的农村金融支持问题。本文基于上述研究背景，以陕西省小额贷款公司为具体研究对象，通过实地调研获得相关数据，，以此分析陕西省小额贷款公司的发展现状与存在的问题。然后，从经营效率与支农效率结合考虑的角度入手，运用指标统计性分析法和DEA方法从表面和内在两方面评价陕西省小额贷款公司的运行效率，再运用Tobit模型对运行效率的影响因素进行实证分析，从经营情况、支农情况和社会环境等方面进一步分析其效率高低的内在原因，以探究其深层次的问题。最后，在此基础上提出提高陕西省小额贷款公司运行效率的对策建议。按照这一逻辑关系，论文具体研究内容如下：第一章，导论。主要介绍了论文的研究背景、研究目的与意义、国内外研究动态、研究思路与方法及论文的可能创新之处。第二章，陕西省小额贷款公司发展现状与存在问题。主要介绍了陕西省小额贷款公司的机构概况和业务开展情况，并在此基础上分析得出陕西省小额贷款公司存在金融专业人才缺乏、资金来源匮乏、涉农贷款较少且产品单一等问题。第三章，陕西省小额贷款公司运行效率评价与实证分析。主要运用指标统计性分析法和DEA方法对陕西省小额贷款公司的运行效率进行评价。先运用指标统计性分析法从资本规模、贷款规模、贷款结构和盈利性特征四个方面，对陕西省小额贷款公司的运行效率进行初步分析，并为DEA模型分析的指标选取提供依据。在Pearson相关性检验进一步确定模型指标的基础上，再运用DEA方法对陕西省小额贷款公司运行效率作实证分析。结果显示，小额贷款公司的整体运行效率不高，其中陕北地区小额贷款公司的发展整体优于关中陕南地区；各小额贷款公司运行效率差异较为明显，而规模效率是引起这种差异的主要原因，其投入产出偏向为投入冗余型。第四章，陕西省小额贷款公司运行效率影响因素实证分析。主要在运行效率实证分析的基础上，运用Tobit模型对陕西省小额贷款公司运行效率的影响因素进行分析。研究结果表明，贷款规模和资产规模对小额贷款公司运行效率有显著影响；经营能力对运行效率的影响大于经营时间；小额贷款公司支农对总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小额贷款公司总效率降低，继续发展其支农业务是可行的。第五章，提高陕西省小额贷款公司运行效率的对策建议。针对陕西省小额贷款公司发展现状与存在问题、运行效率及其影响因素的分析，从经营效率和支农效率两方面提出促进陕西省小额贷款公司发展的对策建议。
[Abstract]:In recent years , with the attention of the state to the " three peasants " and the promotion of the new socialist countryside construction , the rural areas of our country have developed rapidly , but in this process , some problems have not been vigorously solved . In recent years , the rural financial services have become one of the main problems that restrict the development of rural economy . Based on the background of the research , this paper analyzes the present situation and existing problems of the small loan company in Shaanxi Province by taking the small loan company as a specific object in Shaanxi Province . Then , from the angle of the combination of management efficiency and the efficiency of agriculture , the author makes an empirical analysis on the influencing factors of the operation efficiency from the aspects of management efficiency and the efficiency of agriculture . Finally , the author puts forward some countermeasures to improve the running efficiency of the small loan company in Shaanxi Province . According to this logical relationship , the contents of the thesis are as follows : The first chapter introduces the background of research , the purpose and significance of the research , the research developments at home and abroad , the thinking and methods of research and the possible innovations of the thesis . In chapter 2 , the present situation and existing problems of small loan company in Shaanxi Province are introduced . In chapter 3 , the running efficiency of the small loan company in Shaanxi Province is evaluated by using the index statistical analysis method and the DEA method . The results show that the overall operation efficiency of the small loan company is not high . The results show that the loan size and the asset scale have significant influence on the running efficiency of the small loan company . The research results show that the loan size and the asset scale have a significant influence on the running efficiency of the small loan company . The effect of the operating ability on the running efficiency is not obvious , and the development goal deviates from the expansion trend . However , the increase of the loan cost caused by the small loan company is not necessarily the decrease of the total efficiency of the small loan company , and it is feasible to continue to develop its agriculture support business . In the fifth chapter , the countermeasures to improve the running efficiency of the small loan company in Shaanxi Province are put forward . In view of the present situation and existing problems , the running efficiency and the influencing factors of the small loan company in Shaanxi Province , this paper puts forward some suggestions to promote the development of the small loan company in Shaanxi Province .

【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39

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