农村信用社农业贷款效率评价与影响因素研究

发布时间：2018-04-25 13:19

本文选题：农村信用社 + 农业贷款　；参考：《湖南大学》2014年硕士论文

【摘要】：农村信用社是正规农村金融的主力军，是农业贷款发放的主体，是联系农民的金融纽带；农业贷款不仅是农村信用社的核心业务之一，也是农业金融的发挥效用的核心方式，农业贷款效率既直接影响到农村信用社自身的经营状况，决定着信用社未来的发展前景，又间接地映射着农业经济，，甚至国民经济的发展状况。在此背景下，本文从农村信用社农业贷款业务视角出发，以湖南省常德市9家农村信用社2006-2012年的数据为样本，采用DEA方法和面板数据模型对农村信用社农业贷款效率及其影响因素进行实证研究。首先，文章从常德市农村信用联社下各县级行社的投入产出视角出发，对不同县级行社的农业贷款效率进行比较研究。研究表明，规模效率是影响农业贷款综合效率的主要因素，此外，技术退步是引起农业贷款业务的全要素生产力下降的主要因素。其次，文章从农业贷款业务流程视角出发，对农村信用社农业贷款阶段效率进行研究。研究表明，资金筹集阶段的效率对整体效率影响较大，并且各阶段综合效率主要由纯技术效率所决定。再次，文章采用面板数据模型，探讨了农村信用社的资金结构对农业贷款效率的影响情况。在Malmquist-DEA方法的测算结果基础上，研究发现农户贷款率和营业税金率对不同县级行社的农业贷款效率无显著影响，利息支出率和不良贷款率对农业贷款效率有负面影响，而储蓄存款率则有正面影响。在两阶段关联DEA方法的测算结果基础上，研究发现营业税金率和利息支出率对农业贷款整体综合效率无显著影响，不良贷款率和农户贷款率对整体综合效率和资金筹集阶段的综合效率具有负面影响，不良贷款率对贷款发放阶段的综合效率也具有负面影响，储蓄存款率对整体综合效率以及资金筹集阶段的综合效率具有正面影响，对贷款发放阶段的综合效率具有负面影响，但负面影响程度弱于正面影响程度。
[Abstract]:Rural credit cooperatives are the main force of the formal rural finance, the main body of agricultural loans, the financial ties to farmers, and agricultural loans are not only one of the core business of rural credit cooperatives, but also the core ways of agricultural finance. Agricultural loan efficiency not only directly affects the management of rural credit cooperatives themselves, determines the future development prospects of rural credit cooperatives, but also indirectly reflects the development of agricultural economy and even the national economy. In this context, from the perspective of agricultural loan business of rural credit cooperatives, this paper takes the data of 9 rural credit cooperatives in Changde City, Hunan Province from 2006 to 2012 as a sample. Using DEA method and panel data model, the paper makes an empirical study on the agricultural loan efficiency and its influencing factors of rural credit cooperatives. Firstly, from the angle of input and output of the county-level banks in Changde Rural Credit Union, the paper makes a comparative study on the agricultural loan efficiency of different county-level banks. The research shows that the scale efficiency is the main factor that affects the comprehensive efficiency of agricultural loan, in addition, the technical retrogression is the main factor that causes the decline of the total factor productivity of agricultural loan business. Secondly, from the perspective of agricultural loan business process, this paper studies the efficiency of rural credit cooperatives in agricultural loan stage. The research shows that the efficiency of the fund raising stage has a great influence on the overall efficiency, and the comprehensive efficiency of each stage is mainly determined by the pure technical efficiency. Thirdly, using panel data model, the paper discusses the influence of the capital structure of rural credit cooperatives on the efficiency of agricultural loans. Based on the results of Malmquist-DEA method, it is found that the loan ratio of farmers and the operating tax rate have no significant influence on the agricultural loan efficiency of different county-level banks, while the interest expenditure rate and the non-performing loan rate have negative effects on the agricultural loan efficiency. The savings rate has a positive effect. On the basis of the calculation results of two-stage correlation DEA method, it is found that the operating tax rate and interest expenditure rate have no significant effect on the overall efficiency of agricultural loans. The non-performing loan ratio and the farmer loan rate have negative influence on the overall comprehensive efficiency and the comprehensive efficiency of the fund raising stage, and the non-performing loan ratio also has a negative impact on the comprehensive efficiency of the loan issuance stage. The savings deposit rate has a positive effect on the overall comprehensive efficiency and the comprehensive efficiency of the fund raising stage, and has a negative impact on the comprehensive efficiency of the loan issuance stage, but the negative impact degree is weaker than that of the positive one.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.43

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