农村信用社成本效率及影响因素研究.PDFVIP

 农村信用社成本效率及影响因素研究 ——来自陕西省 81 个区县的统计数据 师荣蓉，徐璋勇 （西北大学中国西部经济发展研究中心） 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 本函数模型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。 关键词：农村信用社 成本效率 影响因素 随机边界分析 中图分类号：F83 文献标识码：A 文章编号：2001-0091（2013）-0001-0010 Abstract: Based on the data of the rural credit cooperatives from 81 countries in Shaanxi province between 2000 and 2009, this paper assesses the cost efficiency and the influencing factors by the beyond logarithmic model of Stochastic Frontier Analysis. It concludes that the cost efficiency in different regions have narrowed the gap during the following years, showing an upward trend in general, especially after a new round reform. According to the degree, the cost efficiency will be significantly influenced by government expenditure proportion, bad loan ratio, property right structure as well as GDP per capita, all factors except government expenditure proportion and bad loan ratio generating promoter action. Therefore, this article recommends suggestions from reducing adverse interference by the government, optimizing asset quality, promoting the property right reform and maintaining a steady and fast development of the rural economy. Key words: the rural credit cooperative ；cost efficiency ；influencing factors ； Stochastic Frontier Analysis 一、引言 中共中央制定的“国民经济和社会发展