农村信用社成本效率及其影响因素研究——来自陕西省81个区县的统计数据

发布时间：2019-02-22 08:44

【摘要】：本文基于陕西省81个区县农村信用社2000—2009年的统计数据,运用超越对数随机边界成本函数对农村信用社成本效率及其影响因素进行实证研究。结果表明:不同地区农村信用社成本效率均值之间的差距不断缩小,整体呈波动上升趋势,特别是新一轮农村信用社改革使得成本效率大幅提升;财政支出比重、不良贷款率、产权制度和地区人均GDP按照影响程度从大到小对农村信用社成本效率有显著影响,除财政支出比重和不良贷款率外其余因素的提高均对农村信用社成本效率的提升起促进作用。因此,通过减少政府不良干预、优化资产质量、深化产权制度改革、提高农村经济发展水平可以有效促进农村信用社成本效率的提升。
[Abstract]:Based on the statistical data of rural credit cooperatives in 81 districts and counties of Shaanxi Province from 2000 to 2009, this paper makes an empirical study on the cost efficiency and influencing factors of rural credit cooperatives by using the cost function of transcending logarithmic stochastic boundary. The results show that: the gap between the average cost efficiency of rural credit cooperatives in different regions is narrowing, and the overall trend is increasing, especially the new round of rural credit cooperatives reform makes the cost efficiency greatly improved; The proportion of financial expenditure, the ratio of non-performing loans, the property right system and the per capita GDP in different regions have a significant effect on the cost efficiency of rural credit cooperatives according to the degree of influence. Besides the proportion of financial expenditure and the ratio of non-performing loans, the improvement of the cost efficiency of rural credit cooperatives plays a role in promoting the cost efficiency of rural credit cooperatives. Therefore, by reducing the bad intervention of the government, optimizing the quality of assets, deepening the reform of the property right system and improving the level of rural economic development, the cost efficiency of rural credit cooperatives can be effectively promoted.
【作者单位】：西北大学中国西部经济发展研究中心;
【基金】：教育部人文社科重点研究基地重大招标项目“中国西部地区新农村建设途径与政策选择研究”(编号:2007JJD840193) 陕西省社科基金项目“基于DEA模型的陕西省农村信用社改革效率评估研究”(编号:08E025)的资助
【分类号】：F832.35;F224

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