本文關(guān)鍵詞：小額貸款公司財(cái)務(wù)效率和社會(huì)效率及其影響因素——基于DEA-Tobit兩階段法的實(shí)證分析　出處：《財(cái)經(jīng)理論與實(shí)踐》2017年03期 　論文類型：期刊論文

  更多相關(guān)文章： 小額貸款公司 財(cái)務(wù)效率 社會(huì)效率 DEA-Tobit

【摘要】：基于2013—2015年山東省259家小額貸款公司的面板數(shù)據(jù),運(yùn)用DEA-Tobit兩階段法分析小額貸款公司財(cái)務(wù)效率和社會(huì)效率及其影響因素。實(shí)證結(jié)果表明:小額貸款公司社會(huì)效率的均值低于財(cái)務(wù)效率的均值,同時(shí)小額貸款公司在財(cái)務(wù)效率方面差異較小,并且總體水平較高,而社會(huì)效率的分布相對(duì)比較分散,并且總體水平較低。盈利能力、融資結(jié)構(gòu)和地區(qū)經(jīng)濟(jì)發(fā)展水平對(duì)小額貸款公司的財(cái)務(wù)效率存在顯著的正向影響;涉農(nóng)貸款比例對(duì)財(cái)務(wù)效率和社會(huì)效率均產(chǎn)生顯著的正向影響。國(guó)有集體資本參股和設(shè)立在縣域有利于社會(huì)效率的提高;經(jīng)營(yíng)時(shí)間和小額貸款公司社會(huì)效率存在負(fù)相關(guān)關(guān)系,但對(duì)財(cái)務(wù)效率的影響并不顯著。
[Abstract]:From 2013 to 2015 in Shandong Province, 259 small loan companies based on the panel data analysis, the use of DEA-Tobit two stage method factors of small loan companies, financial efficiency and social efficiency and influence. The empirical results show that: the mean social efficiency of small loan companies is lower than that of the financial efficiency at the same time, the small loan company differences in financial efficiency is smaller, and the overall level of high efficiency and social distribution is relatively dispersed, and the overall level of profitability is low. The level of economic development, financing structure and area of microfinance company financial efficiency in significant positive effects; the proportion of agricultural loans have a positive effect on the financial efficiency and social efficiency. In the state-owned and collective capital and equity the establishment is conducive to the improvement of social efficiency; there is a negative correlation between the operating time and small loan company social efficiency, but for the money The effect of efficiency is not significant.

【作者單位】： 山東大學(xué)經(jīng)濟(jì)學(xué)院;齊魯工業(yè)大學(xué)金融學(xué)院;
【基金】：國(guó)家自然科學(xué)基金重點(diǎn)項(xiàng)目(71333009);國(guó)家自然科學(xué)基金面上項(xiàng)目(71273155) 齊魯工業(yè)大學(xué)人文社會(huì)科學(xué)規(guī)劃項(xiàng)目(SKXMY1511)
【分類號(hào)】：F830.42;F832.39
【正文快照】： 一、引言為了緩解“三農(nóng)”和小微企業(yè)的融資難題,進(jìn)一步完善我國(guó)普惠金融體系,近年來(lái)我國(guó)積極推動(dòng)小額貸款公司(以下簡(jiǎn)稱“小貸公司”)的發(fā)展。作為商業(yè)性的小額信貸機(jī)構(gòu),小貸公司在經(jīng)營(yíng)中承擔(dān)著雙重目標(biāo):一是實(shí)現(xiàn)經(jīng)營(yíng)自給和財(cái)務(wù)自給的財(cái)務(wù)持續(xù)目標(biāo)(financial sustainability)

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本文編號(hào)：1363370