農(nóng)村信用社農(nóng)業(yè)貸款效率評價與影響因素研究
本文選題:農(nóng)村信用社 + 農(nóng)業(yè)貸款 ; 參考:《湖南大學》2014年碩士論文
【摘要】:農(nóng)村信用社是正規(guī)農(nóng)村金融的主力軍,是農(nóng)業(yè)貸款發(fā)放的主體,是聯(lián)系農(nóng)民的金融紐帶;農(nóng)業(yè)貸款不僅是農(nóng)村信用社的核心業(yè)務(wù)之一,也是農(nóng)業(yè)金融的發(fā)揮效用的核心方式,農(nóng)業(yè)貸款效率既直接影響到農(nóng)村信用社自身的經(jīng)營狀況,決定著信用社未來的發(fā)展前景,又間接地映射著農(nóng)業(yè)經(jīng)濟,,甚至國民經(jīng)濟的發(fā)展狀況。在此背景下,本文從農(nóng)村信用社農(nóng)業(yè)貸款業(yè)務(wù)視角出發(fā),以湖南省常德市9家農(nóng)村信用社2006-2012年的數(shù)據(jù)為樣本,采用DEA方法和面板數(shù)據(jù)模型對農(nóng)村信用社農(nóng)業(yè)貸款效率及其影響因素進行實證研究。 首先,文章從常德市農(nóng)村信用聯(lián)社下各縣級行社的投入產(chǎn)出視角出發(fā),對不同縣級行社的農(nóng)業(yè)貸款效率進行比較研究。研究表明,規(guī)模效率是影響農(nóng)業(yè)貸款綜合效率的主要因素,此外,技術(shù)退步是引起農(nóng)業(yè)貸款業(yè)務(wù)的全要素生產(chǎn)力下降的主要因素。 其次,文章從農(nóng)業(yè)貸款業(yè)務(wù)流程視角出發(fā),對農(nóng)村信用社農(nóng)業(yè)貸款階段效率進行研究。研究表明,資金籌集階段的效率對整體效率影響較大,并且各階段綜合效率主要由純技術(shù)效率所決定。 再次,文章采用面板數(shù)據(jù)模型,探討了農(nóng)村信用社的資金結(jié)構(gòu)對農(nóng)業(yè)貸款效率的影響情況。在Malmquist-DEA方法的測算結(jié)果基礎(chǔ)上,研究發(fā)現(xiàn)農(nóng)戶貸款率和營業(yè)稅金率對不同縣級行社的農(nóng)業(yè)貸款效率無顯著影響,利息支出率和不良貸款率對農(nóng)業(yè)貸款效率有負面影響,而儲蓄存款率則有正面影響。在兩階段關(guān)聯(lián)DEA方法的測算結(jié)果基礎(chǔ)上,研究發(fā)現(xiàn)營業(yè)稅金率和利息支出率對農(nóng)業(yè)貸款整體綜合效率無顯著影響,不良貸款率和農(nóng)戶貸款率對整體綜合效率和資金籌集階段的綜合效率具有負面影響,不良貸款率對貸款發(fā)放階段的綜合效率也具有負面影響,儲蓄存款率對整體綜合效率以及資金籌集階段的綜合效率具有正面影響,對貸款發(fā)放階段的綜合效率具有負面影響,但負面影響程度弱于正面影響程度。
[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.
【學位授予單位】:湖南大學
【學位級別】:碩士
【學位授予年份】:2014
【分類號】:F832.43
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